1. There is a bad record in the credit investigation, which may be that your credit card failed to repay on time or there was an overdue record in previous loans on other platforms.

2. Wechat is not sticky enough, or your account has no real-name authentication, or you have no bank card.

3. We don't use it frequently, so we should use WeChat more to pay fees and buy wealth management products.

4. Consumption is not frequent. There are many functions that can be consumed in WeChat, so you should try to use them more.

5. WeChat has not been used for a long time, and it is also difficult to open micro-loan because there is no reference record at all.