I guess it's because your credit score is insufficient Haven't you ever borrowed money or applied for several credit cards? I suggest you register with the Credit Information Center of China People's Bank first. This credit center records your loan repayment records and scores. It is said that more content will be added in the future, such as mobile phone arrears, social security records, court judgment records and so on.

There are many reasons for the lack of comprehensive score.

1. Bad or blank credit information refers to bad repayment records of loans or credit cards made before, or no credit information records before.

2, the income ability is not high, this mainly depends on your work situation and income certificate.

3. The asset ability is not strong, and there are cars, houses, insurance policies, etc. in the name of myself or the borrower.

4, gender, this is a pit, but individual companies do consider it. Generally speaking, women will score higher than men.

5. In some regions, it is basically difficult for customers to get loans. For example, in some places in Fujian, it is difficult to borrow money all over the country.

6. I won't elaborate on the nature of my occupation. For example, a policeman with a gun can't borrow money except the bank, because what can you do if he doesn't pay back the money ... Of course, they will also choose bank loans. After all, being a civil servant, it is easy to apply for approval in the bank.

In addition to the above six points, if you are inarticulate or hesitant during the telephone review, the review may think that you are lying and refuse your loan with insufficient comprehensive score.