Nowadays, many users will turn around through micro-loans when they need money. As a credit loan officially launched by Tencent, micro-loan has been recognized by many users.
If ordinary users want to borrow on micro-loans, they need to open micro-loans first and obtain the credit line of micro-loans, and then they can borrow within the credit line.
At present, the maximum credit line of micro-loan is 300,000 yuan, and the specific credit line is mainly given according to the comprehensive evaluation of the system. The higher the comprehensive loan score, the higher the credit line.
Therefore, many users are not satisfied with the credit line when applying for small loans because the comprehensive score is not very high.
In this case, users can improve their comprehensive score through their later use, thus increasing their micro-credit line.
If users want to improve their comprehensive score of micro-loans, they need to know from which dimensions micro-loans are evaluated, and then improve their score according to the actual situation.
At present, when evaluating users, micro-loans are mainly evaluated in the following aspects.
1, account security value:
If users want to get higher scores, they must ensure that their WeChat and mobile qq accounts are in a normal state, and they must carry out real-name authentication on their WeChat and mobile qq to ensure that there is no fried rice cake transaction in their accounts.
2. Personal credit value:
Microfinance itself is a credit loan, so the applicant's credit status is very important. Users who want to obtain a higher micro-loan amount must ensure their credit status, and there must be no bad credit records in the credit report.
In addition, users can also make credit card repayment through WeChat to improve their comprehensive credit value.
3. Personal wealth value:
The personal wealth of users directly reflects the repayment ability of users. Therefore, users can conduct appropriate financial management on WeChat, and conduct fund transactions such as payment, transfer and payment through WeChat to improve their transaction flow, thus proving their economic ability to micro-loan.