The installment loan said that there was something wrong with the banking system. It should be that the banking system is maintaining. You can try again later, or try another bank card.

Should I pay attention to the bank card error when unfreezing this money?

When a customer borrows money online, if the platform prompts that the bank card number provided by the customer is wrong, resulting in the loan funds being frozen, and the customer needs to pay a certain amount of unfrozen money before borrowing, it is recommended that the customer ignore the loan on the platform and apply for a new loan on other platforms.

Be careful not to pay back the money, because in this case, the loan platform mostly charges beheading interest in the name of unfreezing the money, and the bank card number is estimated to be correct. If the customer pays the money, most of the money will not be returned. Some small loan platforms may not lend money after receiving the money, but will directly "run away", and the customer actually falls into a loan scam.

We should know that with the approval of the China Banking Regulatory Commission, a formal loan platform with a financial license will generally not charge any upfront fees to customers before the loan funds are paid.

When the customer abandons the loan on the platform, it is best to simply cancel the loan account number of the platform, and then apply for a new loan and find a formal licensed consumer financial institution.

What is the failure of installment loan?

Platform quota is insufficient or has been released. In this regard, customers are advised to reapply early the next day. The daily quota is limited, usually refreshed at 0: 00.

2. The system is being maintained and upgraded. In this regard, customers should be able to borrow again after the system upgrade.

3. The status of the bank card provided by the customer is abnormal, such as overdue, loss reporting, cancellation, freezing, etc. In this regard, customers can change a normal bank card and then re-apply for a loan.

4. Due to the long time interval between loan issuance and approval, the system conducted a second audit before loan issuance, but during the second audit, the system found that the customer's latest credit had problems, so there was no loan issuance. In this regard, it is estimated that it is difficult for customers to borrow money in a short time, even if they go to other loan platforms, they may not be able to borrow money. They can only take care of their credit first, and then try to borrow money when their credit is well maintained (it is recommended to wait for three to six months)

1. The comprehensive score is inconsistent: installment music itself does not lend money, and cooperative institutions provide loan services. The audit conditions of each institution are different, but they will be scored systematically according to the applicant's credit situation and previous loan records. If the score is not enough, it is impossible to lend it if there is a quota.

2. Overdue: If you borrow money before installment, or want to borrow it again and don't pay it back, this is absolutely intolerable by installment. Generally, even if there is a quota, it is more difficult to borrow. After all, in a credit society, it is not difficult to borrow again as long as you pay attention to honesty and go far away.

3. Repayment in advance: It is natural for installment music to lend you money and charge you interest. If you repay in advance, you will get less money from installment music, and you won't lend it to installment music, because you don't really have much demand for this loan. For this reason, users often say that their advance payment is routine. That's the reason.

4. Insufficient loan amount: Under the severe rectification of online loans, installment music has to control the scale of lending for long-term operation. Only a part of the loan amount is released to users for cash withdrawal every day, and cash withdrawal can be made after grabbing the amount. If they can't grab the quota, they can only wait until the next day. Some netizens reported that the success rate of staging music in the morning 10 is very high, so you can try it.

What is the failure of installment loan? Is the Lehua card still available?

First of all, answer directly.

The failure of installment loan may be caused by the following reasons.

Second, the specific analysis

1. There is something wrong with the credit report. For example, due to some overdue behaviors in the past, records of non-performing loans or long-term loans were left on the credit report. These are all things that make staged music more worried. In order to control the risk, the installment club will refuse the loan application.

Because there is something wrong with your credit information, there is no good way to solve the problem of installment loan failure, so you can only try to borrow after the credit is repaired, which will take a lot of time.

2. The income does not meet the requirements. To apply for installment music, you need a stable and sufficient source of income, which is the guarantee of timely repayment. If the revenue does not meet the requirements of the platform, the platform is naturally not at ease.

3. The debt ratio is too high. If you apply for other online loan products other than installment music, your debt ratio will rise sharply. In this case, installment music will worry about the future repayment pressure, and in order to control the risk, it will not make the next payment. In order not to affect your credit activities and reduce the risk of overdue, you need to control your debt ratio.

4. When the ID card expires, you need to upload the ID card on the platform and pass the real-name authentication before you can use some of the above functions. If the uploaded ID card expires, according to the compliance requirements, installment music will not agree to the loan application, and you need to update your identity information in time.

5. System upgrades and updates also exist. In order to provide better service, the platform may update the system, and the loan channel will be temporarily closed during the update period, which will affect the application for installment music in a short time. In this case, it will be all right after the system update is completed.

6. The amount of illegal use of installment music Although the above amount can be withdrawn, it does not mean that it can be taken out and used casually. As a loan product, installment music itself has a certain scope of use. For example, if you can't manage money or buy a house by installment, you need to use the credit line within the scope agreed in the loan contract.

7. If your account is abnormal, such as frequently changing login devices or being in an unsafe network environment for a long time, the risk factor of your platform account will increase, and you will naturally encounter trouble in applying for music by stages.

8. The network is unstable. For example, when borrowing money, there is a problem with the network connection signal, which will lead to the system being unable to receive the loan application. In this case, changing a good network environment to borrow money can solve the problem.

9. When borrowing, the platform credit line is insufficient. If the platform credit line is tight, in this case, it may also lead to the failure of installment loan, but this situation is rare, even if it is encountered, it does not matter much. You can wait until the platform has enough funds to borrow.

There are many reasons for the failure of installment loans, not necessarily their own reasons. Therefore, after encountering this situation, we must find out where the specific problems are, and then find ways to solve these problems and let the credit function return to normal.

You can get a big data report in Winnie Hsin, find out your overdue records, and classify your online loans into formal and informal, seeking credit and seeking credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

Third, how to solve the risk report of staged music?

If the installment loan always presents the risk report prompt, just close it and skip it.

If you want to know about personal risks, you can also choose to buy this service.

After paying personal related risks, there will naturally be no risk report prompts.

It should be noted that risk reporting is actually a bit similar to big data. After the inquiry, you can understand the personal risk and judge the success rate of applying for a loan.

However, this service is not very helpful for borrowing money, and it is not like the online rumor that the purchase risk report can successfully borrow money.

The final success of the loan depends on the results of system approval and needs good credit standing.

If you know that your personal credit is not good after the inquiry, it is recommended to suspend the application first and spend some time patiently to improve your credit until your personal credit is improved.

And don't worry, it's not a big problem not to buy a risk report, and it won't affect the application for a loan if you close it directly.