Situation 1: Insufficient credit rating.
If the borrower's bill consumption is too small, WeChat is rarely used to pay, and the bill is not paid, the system may think that the borrower's economic strength is poor or there is no loan demand.
Secondly, it may also be because of insufficient repayment ability. For example, there are many outstanding loans and high debt ratio in other financial institutions, which may lead to insufficient credit rating of borrowers.
Solution: Borrowers should use WeChat to pay more times, and the bill amount should not be too small, and reduce their debt ratio to below 50%, indicating that they have borrowing needs and good repayment ability, so microfinance is naturally more willing to lend.
Situation 2: Insufficient credit score
If the borrower fails to use other credit products within the time limit, resulting in too many bad credit information records, or the status of WeChat is abnormal, such as suspected violation, etc., it may lead to a lower comprehensive credit score.
Solution: In the case of loans overdue, overdue loans must be settled in time to see if a non-malicious overdue certificate can be issued; If the status of WeChat account is abnormal, make an account appeal and use WeChat to socialize with friends normally.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands and low interest rates are trustworthy. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!