The failure of lightning loan application prompts insufficient comprehensive score: it may be that your retail business such as POS card transaction and deposit transaction in our bank has not reached our loan credit standard for the time being. I suggest you keep a good credit record and handle all kinds of personal banking business in our bank. If your transaction meets the standards next month, we will automatically verify your latest qualification for lightning loan application.

(Response time: June 9, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. )