If you don't pass the BOC e-loan for the second time, there are indeed reasons, such as poor personal credit, because in order to ensure the safety of loan funds, the system usually refuses the loan application of users with poor credit, and if you want to apply, you must maintain their personal credit. At the same time, the repayment ability is insufficient, the information is suspected of fraud, and the identity does not meet the requirements. , will not be approved again. Generally speaking, it is the lack of comprehensive credit of users that makes it impossible to apply for BOC e-loan, so users with poor qualifications should not apply easily.

By using the Internet and big data technology, Bank of China provides full-process online credit consumption loan service for high-quality payroll customers, wealth private bank customers, mortgage customers, and provident fund/social security/individual tax customers in some areas, realizing convenient and efficient online application, second-speed approval, real-time withdrawal and flexible repayment without leaving home.

The maximum loan amount can reach 300,000 yuan. Validity of loan line 12 months. The borrower can reuse the line during the line period, and can reactivate the line after the line expires. Loans can be used for personal legitimate and reasonable consumption expenses such as home improvement, car purchase, education and medical care. , shall not be used for non declaration purposes and personal expenses prohibited by laws and regulations.