I. Systemic issues
1, operating public ***WIFI in abnormal environment is not allowed to be connected at will. Some online lending systems will detect the transaction risk when we connect to WiFi, and will freeze the loan amount under our name. So as not to cause losses.
2. Change personal information in online loans. Some people will choose to change their mobile phone number or bank card, and need to be re-bound for verification. In order to prevent risk events, the system may temporarily freeze your quota.
3. Policy reasons, for example, due to the epidemic this year, many online lending platforms will take back the loan quotas of some users who usually have low utilization rates. Wait for a period of time before reassessing.
Second, the influence of personal qualifications.
Abnormal credit information. If the online loan is overdue and affects the credit information, the platform is likely to reduce your quota. And many online loans are turnover lines. You must repay the previous loan normally before you can continue to borrow.
1. The consequences of overdue credit cards are as follows:
1. The bank credit card center will charge late fees and interest:
2. The overdue fine is calculated as 5% of the unpaid minimum amount, and the minimum fee is RMB 65,438+00 or USD 65,438+0 yuan;
At the same time, the bank charges 5/ 10000 interest on all bills every day.
Second, the credit impact:
1. If it is overdue within one month, it will be counted as overdue once. As long as it is overdue, even once, it is difficult to increase the quota;
2. If it is overdue for three consecutive times or six times, there will be a bad credit record, and it will be difficult to issue loans and apply for credit cards in the future;
After a certain amount and time, the bank will freeze the credit card.
3. Overdue repayment account
1. If the account is frozen due to overdue payment, it shall be paid off in accordance with the regulations;
2. After paying off the arrears, check whether the credit line can be used normally;
If the quota does not return to normal, please wait patiently for a while and try again.
Fourth, the second assessment does not meet the requirements.
1. If the second evaluation does not meet the requirements, we should first improve the comprehensive credit score, such as supplementing information, accumulating loan records through other channels, and increasing personal income.
2. After about three months, we will try to apply for Zhaolian Finance again to see if we can unfreeze the quota. The borrower will make a comprehensive evaluation of user information from time to time. If you fail the assessment or are overdue, your loan limit may be frozen. After the quota is frozen, you will not be able to continue borrowing, but it will not affect the normal login, inquiry and repayment.
If you have an outstanding loan, please settle it before trying to borrow money. Thawing cannot be manually intervened. Please keep a good credit record. Management will conduct comprehensive evaluation from time to time. When you pass the assessment, the quota will be automatically unfrozen.