The reason for this situation is that the credit card rating decline has affected the normal use of some functions, or it may be that the bank has closed the short-term loan function, which depends on the actual situation of the bank. If there are no restrictions on the use of credit cards due to personal reasons, you can call the bank customer service phone to ask the specific reasons.

Short-term loans should meet the following conditions: the maximum loan amount set by the bank to the lender, the borrowing enterprise must maintain a certain proportion of the balance in the bank, and the enterprises with greater financial risks need to provide collateral for guarantee, such as accounts receivable and enterprise stocks.