Hello, if the loan amount is not large, and you hold our credit card, the credit amount is sufficient and the card status is normal, you can try to borrow cash in advance.

Second, the reasons and solutions of insufficient credit score?

1, poor credit information. Banks have high requirements for personal credit information, so there are problems with personal credit information, such as overdue repayment records and too many credit information, which will lead to insufficient comprehensive credit score.

2. Personal information. The personal data filled in by the applicant is the bank's basic understanding of everyone. If the personal information is incomplete or suspected of fraud, it will also lead to insufficient comprehensive credit score, and may even be considered as suspected of fraudulent loans.

3. Personal liabilities. Even if the applicant's income is good, if the debt ratio is too high, the bank will refuse everyone's loan or credit card application. In particular, loan products such as online loans and loans that banks are sensitive to now, once used, are likely to directly lead to loan rejection.

What if the comprehensive credit score is not enough? Know the reason to find the correct remedy!

Remedial method of insufficient comprehensive credit score

1, it is everyone's responsibility to take care of personal credit information! In addition to repaying the loan you applied for on time, you should also check your personal credit information at ordinary times, and control all kinds of loan products that need to be checked, so as not to waste your credit information qualification.

2. If the credit card is unexpectedly overdue, never cancel it directly after repayment. You should continue to use it, and cover the previous bad record with a good repayment record in the future, so as to improve your credit record.

3. The lower the total revolving debt, the higher the comprehensive credit score. So, if you have foreign debts, especially credit card debts, try to pay off the large debts first.

For local banks and joint-stock banks, customers' contribution to banks and their own financial resources are very important. So as long as we make more contributions to the bank every day, handle some large time deposits and buy some wealth management products, the comprehensive score will naturally rise.

Third, I applied for a lot of small loans, and it seems that I spent a lot of money on credit investigation. Now the loan is always refused, what should I do?

I applied for a lot of small loans, and it seems that I spent a lot of money on credit investigation. Now the loan is always refused, what should I do?

When it comes to personal credit reporting, I believe many people are familiar with it. When applying for credit cards, bank loans and online loans, financial institutions will inquire about users' personal credit information.

Some users reported that because they applied for a lot of small loans, their credit information was spent, and now the loans are always rejected. What should I do?

Some friends don't know what it means yet. In fact, there are too many user credit inquiries. In the personal credit report, there is a column of information about personal credit inquiry records.

When you apply for a credit card, apply for a loan, or register on the online loan platform to inquire about the personal credit limit, the financial institution will inquire about the personal credit information of the user, and this inquiry record will be reflected in the personal credit report.

If the number of personal credit inquiries of users is too many, lending institutions will suspect that users have problems in their recent economic situation and are short of money. Therefore, such borrowers are at greater risk of overdue loans, and lending institutions will reject borrowers' loan applications in order to prevent risks.

If the loan is refused because the borrower spends money to buy personal credit information, the user can repair the personal credit information in the following ways:

1. Don't apply for a credit card or any online loan in the last 3-6 months. Seeing some new online loan products, users should not be curious to register and inquire about their loan quota. In short, don't touch any credit business in the last 3-6 months.

2. Friends who use credit cards can use credit cards to collect credit information, use credit cards to spend money normally every month, and keep a good repayment record. This will help to maintain a good personal credit record for a period of time.

In short, the personal credit report is equivalent to our economic identity card. Users should pay attention to repayment on time when using credit cards or repaying loans.

In addition, when handling online loan business, choose the loan platform that suits you according to your actual situation, and don't handle loans on multiple platforms at the same time, so as not to consume personal credit information.