If you want to apply for a loan with money, you need to meet the borrowing standard of money. Many people think that they can get a revolving fund and then the loan will be stable. In fact, there are also cases where the revolving quota of money and flowers suddenly disappears. Let's see what caused the quota to disappear.
Reasons for the sudden disappearance of capital turnover quota.
If you want to apply for a loan with money, the borrower must be 18-55 years old, have certain repayment ability and good credit, and the borrower cannot be a college student. At the same time, if you meet the above requirements, you can successfully pass the audit of money and get a reusable loan amount.
As long as the account is in a normal state, you can try to borrow money for capital turnover, but you need to check it every time you borrow money. Whether you can borrow money depends on the results of the review. If revolving funds suddenly disappear, there are usually the following reasons:
1. The borrower has applied for the reduced line service.
If borrowers who have money to spend apply for relief, they will generally complete the relief in about 3 working days. You can't take the initiative to apply for restoration immediately after you have the money to spend the relief. You need to wait a while before you can apply for the restoration quota.
2. The borrower's repayment is overdue.
If the borrower can't repay the loan with money, the borrower's comprehensive credit score will be greatly reduced, and it may be impossible to use money to meet the loan requirements. Even if the loan is repaid, the quota will not be restored.
At the same time, the borrower applied for other loans when he had money to spend.
If the borrower applies for other loans when he has money to spend, the loan quota will be occupied, resulting in the inability to use the revolving quota that could have been used.
4. The borrower is over age.
If the borrower is over 55 years old and no longer meets the requirements of having money to spend, the system will withdraw the credit line during the audit, and the borrower cannot use the loan with money to spend again.
The circulation of money and flowers suddenly disappeared. You can analyze the reasons for the disappearance of lines according to the above content and see if it can be adjusted. If the age does not meet the requirements, you can only try to apply for other loan products.
Why can't the bank loan turnover line be borrowed? A bunch of reasons!
Some users said that they applied for a loan from the bank with a quota of 20,000 yuan, which can be withdrawn at any time. He found it convenient to start using it. After the first repayment, the quota can be restored immediately, and they can borrow again to continue to use it. As a result, after the repayment last month, they found that the quota was gone. Why can't this bank loan turnover line be borrowed? There are mainly the following reasons.
1, insufficient line
Bank loans have something to do with policies. Once the loan policy is tightened, the loan amount may be insufficient. The sources of funds of banks are also unstable, such as mortgage loans, consumer loans and mortgage loans. If the funds come from a third party or the deposits are insufficient, there may be a so-called "freezing" caused by unstable funds. You don't have to worry, waiting for a while will naturally thaw and recover.
2. "Freezing" caused by changes in credit information.
Banks attach great importance to risk assessment, and will continue to carry out post-loan management and check users' credit information. If the customer has abnormal situations such as overdue credit information and high debt beyond the bank's requirements after the loan is issued, the bank or employer may temporarily freeze your turnover limit for risk reasons.
3. Time limit
Everyone should pay attention to the duration of the rotating line. The average bank will only give you a period of time, such as one year, six months and three months. Once the product expires, if you want to use it again, you need to submit an application again. The bank will check your qualifications and reputation again and evaluate whether to grant the quota. Many credit loans are aimed at staged demand scenarios. After the contract expires, the demand scenario does not exist, so naturally no credit will be provided.
Why is the online loan quota frozen? May be these reasons!
Many users said that their online loan quota was frozen and no special operation was carried out. I don't know what happened. In fact, online loans are automatically screened by the system now, so there will be many factors leading to this result. Today, we will briefly introduce the relevant content, and you can have a look.
One. System problem
Sometimes quotas are frozen for non-personal reasons, such as:
1, unfamiliar and abnormal environment operation
Nowadays, many people choose to connect to public wifi or unfamiliar wifi when they go out. Many online lending systems will detect high risks, and then they will automatically freeze the loan amount under your name, so as to avoid the loss of users' funds caused by the fraudster applying for bank transfer after the user's account is stolen.
2. Change personal information
In the process of peer-to-peer lending, many people will choose to change their mobile phone numbers or bank cards, and they all need to be re-bound or verified. In order to prevent special circumstances, the system may temporarily freeze the quota.
3. Policy implications
For example, affected by the epidemic this year, many online lending platforms have tightened their lending quotas, and some of the original quotas will be recovered. If your usual utilization rate is not high or your qualification is average, the quota may be frozen and eventually recovered. You can observe it for a while.
Second, personal qualifications have changed.
1, abnormal credit reporting. Many online loans are revolving lines, and you can continue to borrow after the last loan is repaid normally. If there is overdue default, the online loan will immediately freeze your quota.
2. Some investment and wealth management products are related to many online loans. If these wealth management products are purchased and withdrawn, the amount may be rapidly reduced or even frozen.
What's wrong with not circulating the money spent?
1. The borrower has applied for the reduced line service.
If borrowers who have money to spend apply for relief, they will generally complete the relief in about 3 working days. You can't take the initiative to apply for restoration immediately after you have the money to spend the relief. You need to wait a while before you can apply for the restoration quota.
2. The borrower's repayment is overdue.
If the borrower can't repay the loan with money, the borrower's comprehensive credit score will be greatly reduced, and it may be impossible to use money to meet the loan requirements. Even if the loan is repaid, the quota will not be restored.
At the same time, the borrower applied for other loans when he had money to spend.
If the borrower applies for other loans when he has money to spend, the loan quota will be occupied, resulting in the inability to use the revolving quota that could have been used.
4. The borrower is over age.
If the borrower is over 55 years old and no longer meets the requirements of having money to spend, the system will withdraw the credit line during the audit, and the borrower cannot use the loan with money to spend again.
Umoney (formerly known as Baidu Money Flower) is a credit service brand under Du Xiaoman Finance, and its positioning is to provide personal consumer credit services for the public.
The brand is characterized by convenience, quickness and peace of mind. Its product lines include "Qianhua-All Easy Loan", "Qianhua-Exclusive Loan" and "Qianhua-Short Term Loan", covering daily consumption, education, medical beauty and other scenes.
Product characteristics
1 convenient
With Internet technology as the engine, it provides truly convenient pure online credit services.
2. Fast
Based on big data risk control, faster service experience.
3. Inner peace
Qianhua is a perfect credit service under Xiaoman Finance (formerly Baidu Finance), with transparent rates and high product safety barriers.
Different users get different credit lines when the funds are put into use, and the maximum credit line is 200,000. When borrowing money, you need to provide your ID card and bank card, and you are a registered user aged 18-55. Note: If you have money, you refuse to provide college students with consumer installment loans.
If you have money to spend on applying for a loan, it will arrive in 3 minutes at the earliest, and different users will arrive at different times. If you haven't arrived for a long time, you can call customer service for consultation. It is worth mentioning that if you have money to spend, you will receive interest every day, and users can return it in advance after borrowing, saving interest expenses.
It should be noted that overdue repayment will generate penalty interest, and overdue records will be uploaded to the credit information center, which will affect the handling of various loans after personal credit information becomes worse. Moreover, after the overdue arrears are returned, this overdue record will be kept in the credit report for 5 years, and will automatically disappear after 5 years.
Quota problem
1. The loan amount with capital is automatically given by the system after comprehensive evaluation according to multi-dimensional evaluation criteria;
2. Every credit extension needs to be re-examined. If the evaluation results change during the second credit period, the credit line may be lower than the first credit line. The details shall be subject to the system approval;
After you have the money to apply for the quota, you need to borrow for the first time within 30 days. After the first loan is successful, the quota will be valid for a long time under normal circumstances;
4. If the applicant is often overdue or has other bad credit, if there is money to spend, the user quota may be cancelled or reduced;
5. The system will automatically score according to the user's situation, and show the promotion quota entrance to qualified users, which users can view on the homepage of the Spending APP. The system will update the user's personal rating from time to time, and timely repayment will help to increase the quota.