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What should I do if the Lehua card is not successfully opened?
In this case, the applicant can go to the People's Bank of China to check the credit report. If there are too many application records, there is a high probability that the Lehua card will not be approved.

If you can't open the Lohwa card, it may be caused by the following reasons:

First, the customer's credit is not good. Lehua Card is a staged consumer credit product launched by Lehe Cooperative Bank. After the customer submits the opening application, the system will review the customer's credit information to understand their credit status. If the customer's credit report has bad records recently, such as the recent failure to repay the credit products under his name on time, which leads to overdue, then the system is bound to worry about the greater loan risk and will reject the customer's application.

Second, customers have borrowed frequently recently, which leads to long-term borrowing, and because many loans under their names have not been paid off, the personal debt ratio is also high. In this way, the system will inevitably worry about customers' unstable economic life and insufficient repayment ability when approving, and naturally may refuse customers.

Third, the information provided by the customer at the time of application is incomplete or incorrect, which is inconsistent with the real situation, making it difficult for the system to review, so the application submitted by the customer was returned.

Does it matter if Lehua card is not used after opening?

There is generally no adverse effect if the Lehua card of staged music is not used after it is opened. It is just an electronic account of a cooperative bank, and there is no need to charge any fees, so customers can put it aside and use it when there is a demand.

However, Lehua Card uses an installment loan line. It should be noted that if you don't use staged music for a long time, the system may think that customers have no demand for the quota, which is not conducive to the increase of the quota. If the line is withdrawn, customers will not be able to borrow money in installments and use the Lehua card for consumption (if the card number is added, they can spend it in consumption scenarios such as WeChat/Alipay).

If you use Lehua card to spend money, you must remember to repay it on time to avoid overdue (Lehua card can be repaid with the loan, and the order can be repaid in advance from the next day, with daily interest). Because overdue will lead to personal credit damage, then the account may be frozen by the wind, which will lead to future use.