The reasons why the system can't pass are:

1, high personal debt ratio. For users who are heavily in debt, banks will only choose to refuse to approve loans. After all, repayment ability is the key factor for banks to decide whether to approve loans.

2. Credit information. Credit card spending means that your credit card has been swiped too many times in a short time. Whether you have overdue records or not, as long as you have the phenomenon of spending by credit card, the loan is basically beyond your power.