Users often apply for small credit loans, and they can repay on time after borrowing, which will accumulate a lot of good credit records. A large number of good credit records can tell system users that they have strong repayment ability and willingness, so that after the system completes the evaluation, it is possible to increase the loan amount of microfinance.
2. Keep personal credit information good.
After users apply for micro-loans, during the repayment period, micro-loans will conduct post-loan management inquiries irregularly. In the post-loan management query, micro-loan can know whether the user's personal credit information is in good condition. There is no bad credit record in personal credit information, and the debt ratio is moderate, so this situation belongs to good credit information. And the user's credit information is good, which can effectively help users increase the loan amount of micro-loans.
3. Reduce personal debt ratio
Micro-loan will know the debt situation of users through post-loan management. The higher the debt ratio, the worse the amount of micro-loans raised. Users need to pay off part of their debts in advance to reduce their personal debt ratio, preferably within 50%.
4. Keep your WeChat or QQ account active.
Users can usually use QQ or WeChat payment functions, such as frequently using WeChat to send red packets, grab red packets and transfer money. To enrich your personal relationship. At the same time, use WeChat to pay back credit cards, pay utilities and gas bills, and buy movie tickets. Let the system know that the user's economic situation is relatively good and his income is relatively stable, which is conducive to improving the amount of microfinance after the system completes the evaluation.
5. Improve personal information.
Users can supplement personal information through WeChat financial management, such as qualified investor certificate, tax resident identity statement, email address, etc. Perfecting real personal information can increase credit score.
Step 6 increase personal assets
Users can deposit funds into coin purses, or invest and manage money through WeChat Wealth Management, such as purchasing funds and bonds. The more assets users display, the better their financial situation, and the system will naturally be willing to lend more money to users.
7. Delete bad credit records
If there is a bad credit record in the user's credit report, it must be deleted actively. Most bad credit records are overdue, and users can delete bad credit records as soon as possible by paying off overdue debts as soon as possible.
8. Lend out all the loan quotas of microfinance.
If the user's micro-credit loan amount is less than 40,000, it can be fully lent at one time. However, the loan amount is higher than 40 thousand, and the maximum amount of a single micro-loan is 40 thousand, so users need to lend the micro-loan amount several times. A large number of users apply for loans, which is equivalent to telling the system that there is a large demand for funds in the near future, so the system will consider increasing the loan amount of micro-loans
9. Maintain a good social circle.
Users should not join some marketing WeChat groups, or often interact with some reported and risky micro-signals, so the system will think that users are potential risk customers. Because users have certain risks, the system will not increase the loan amount of micro-loans. Users can improve their personal credit score by maintaining a good social circle.
10, actively participate in Tencent's public welfare.
Tencent's public welfare includes sports donations, monthly donations, one-on-one donations, small red flowers and other donations, which can enrich the identity of users. The user's real name participating in public welfare activities shows that the user is a more reliable and caring person, which will increase the system's recognition of the user.
1 1. Improve your WeChat payment score.
When evaluating the micro-loan amount, the system will also refer to the user's WeChat payment score. The higher the score of WeChat payment, it means that the user's personal credit qualification status has been recognized by WeChat system, so the probability of micro-loan withdrawal will increase.