1, personal qualification does not meet. Industrial Bank's consumer loan needs 18 to 60 years old; Fixed residence, permanent residence or valid residence certificate are required. And you need to open a personal settlement account in Industrial Bank to apply. If you don't meet the requirements, you will be rejected.

2. Insufficient repayment ability. In order to ensure the safety of loans, Industrial Bank will evaluate the repayment ability of borrowers when applying for consumer loans. If the borrower's repayment ability does not meet the loan conditions, then it is impossible to borrow.

3. There are problems with personal credit reporting. Industrial Bank's consumer loans are very strict with personal credit information. Personal credit is overdue or high in debt, and the system refuses to apply.