What should I do if I fail the comprehensive evaluation of Weili Loan?

When applying for a loan, I received a reminder: "Comprehensive evaluation failed", which means that WeBank's review standards have not been met for the time being, and Weilidai is temporarily unavailable.

If you encounter this situation, you can try:

1. Maintain a good credit record and try to apply for a loan again after a while, because the score will be updated from time to time. You can apply normally;

2. If you have been unsuccessful, you can try to apply for other loan platforms. My Weili Loan shows that the comprehensive evaluation has not been passed. Is there any way to activate it?

There is no other way to activate it.

Weilidai adopts a user invitation system. Invited users can currently see the "Weilidai" entrance in the "QQ Wallet" of mobile QQ and the "WeChat Wallet" of WeChat, and can receive up to 300,000 yuan. Borrowing amount.

Weilidai currently provides users with a credit limit ranging from 500 yuan to 300,000 yuan, which varies according to the individual's comprehensive situation. A single loan can range from 500 yuan to 40,000 yuan. Using the daily interest calculation method, the daily interest rate is 0.02-0.05, and the daily interest for 10,000 yuan is 2-5 yuan.

Extended information

Tips to ensure the safety of Weilidai borrowing funds:

1. When borrowing money, you can only choose the bank card bound to your Tenpay to receive payment ;

2. During the process of borrowing money, mobile QQ channel users need to verify the Tenpay payment password, and WeChat channel users need to verify the WeChat payment password, verify the mobile phone number and verify the identity (name, ID card);

3. For large loans, there will be further phone calls to verify the identity;

4. After borrowing money, modify the mobile phone number, retrieve the QQ number and modify the binding Bank cards have strict verification procedures; at the same time, borrowed funds will only be transferred to the designated personal debit card account. Please be sure to keep your bank card, card password and Tenpay payment password. Weilidai cannot borrow money and has not passed the comprehensive evaluation

Weilidai has failed the comprehensive evaluation and cannot borrow money. The solution is as follows:

1. Complete the personal account information on WeChat or QQ and verify your real name. Bind the bank card, and ensure the security of the account, and do not log in frequently from different places;

2. Increase the activity of your WeChat or QQ account. Usually use WeChat wallet and QQ wallet for payment, such as daily consumption, mobile phone recharge, daily payment, Didi travel, etc.;

3. Buy financial products and invest more in Tencent Financial Management on WeChat and QQ Financial management behavior helps improve personal comprehensive credit;

4. Maintain good credit behavior and maintain personal credit. If you have a bad credit record, it will be difficult to pass the Weilidai loan review.

In short, if Weilidai fails the comprehensive assessment and cannot borrow money, it can be improved from the aspects of completeness of account information, account activity, purchasing financial products, and maintaining personal credit. Once the comprehensive score of Weilidai reaches a certain stage, you can borrow money smoothly.

Extended information:

1. How long does it take for Weilidai to be overdue?

Weilidai will be subject to credit reporting if it is overdue for three days. Weilidai has a three-day blackout period. There is a grace period. If the user pays off the debt within three days, there will be no impact. However, if the user fails to pay off the debt within the grace period, the Weilidai system will upload the overdue record to the central bank's credit report. This will affect the borrower's credit score, and it will take five years to clear. Therefore, users who borrow from Weilidai must repay their loans on time to avoid affecting their personal credit score.

2. There are three ways to repay Weili Loan:

1. Automatic repayment: You only need to ensure your own repayment bank card one day before the agreed repayment date. (That is, the beneficiary bank card you choose when borrowing) If the funds are sufficient to repay the principal and interest due in the current period, the bank will automatically deduct the money in the early morning of the repayment day. If you have signed up for WeChat Coin Wallet repayment, if the self-deduction fails, the payment will be deducted through WeChat Coin Wallet.

2. Early repayment:

You can log in to WeChat and open Me→Pay→Weilidai to borrow money, enter the personal center and click "Repay the loan in advance" or "All" according to the page prompts. Just borrow money.” Or repay through the WeBank APP: You can log in to the WeBank APP-Weilidai-Repay in advance.

Operating environment:

Brand Hehui Model: iPhone13

System version: iOS15.0

App version: 8.0.16

3. Manual repayment of the current period: If you fail to debit the payment on the repayment date, you can click on the repayment failure notification to manually repay the current period, or enter "automatic repayment failure" and follow the page prompts. Use your own bank card to manually repay the current balance.

Warm reminder: If you have successfully opened a WeBank WeChat card and ensured that the WeBank microcard has sufficient funds, the automatic repayment of Weili Loan will be deducted from the WeBank card first; if you fail to repay or want to repay in advance To clear the loan, you can also choose to use a microcard to repay the loan.