The main reason why the credit loan of Postal Savings Bank was not approved was that the borrower did not meet the qualification of bank loan application and the personal comprehensive evaluation score was insufficient. Generally speaking, the reasons leading to insufficient comprehensive evaluation scores are: overdue credit record, high personal debt ratio, poor information provided by borrowers, borrowers' monthly income not meeting the requirements of banks, and borrowers' unstable work. If the borrower meets the basic loan conditions or is refused a loan, you can call the customer service phone of the Postal Savings Bank to ask about the details of the refusal. A big reason hinders loans, and many people are rejected!

Solution:

Understand what information the lending institution needs. Generally speaking, ID card, personal data, proof of income, etc. Is indispensable. Each platform requires different information, so be sure to check it carefully. In addition, everyone must ensure that the mobile phone number and bank card are handled with their own ID cards.

2. Credit record problem

When an applicant borrows a loan, the lending institution will review the personal credit and find that the personal credit is tainted, and the lending institution will generally not approve it.

Solution:

Try to ensure that your credit information is spotless, and once it appears, it will be difficult to eliminate it. If there is. After 5 years, you can choose to borrow money or entrust others to borrow money. In addition, you can also choose the platform of * to apply. At present, there are many platforms in the credit market that only look at sesame seeds or even ID cards.