When applying for a loan, if the institution/platform system shows that the comprehensive score is insufficient, the credit level should be average and the loan conditions stipulated by the institution/platform cannot be fully met, so the loan fails.

Second, the specific analysis

However, it should be noted that loan approval is mainly a comprehensive evaluation of age, work income, economic and financial level, debt status and credit status.

So it is probably because of poor credit or high debt that the comprehensive score of the system is insufficient.

In the face of the lack of comprehensive evaluation of the system, you can contact customer service to ask what is wrong, and then try to solve it.

If it is because of bad credit, it is recommended to suspend the application first and keep the credit for at least three months; If the debt is high, you can try to pay it off first. If it is not clear at the moment, you can also try to pay it back and try to borrow again after the personal debt ratio drops.

If you maintain a good personal credit, have enough repayment ability, and have no debt under your name, then the comprehensive evaluation of the system will naturally reach the standard, and you can borrow money smoothly.

Pay attention to personal credit at ordinary times, and don't blindly apply for loans. Otherwise, once big data is spent and you want to apply for loans, you will be refused loans because of insufficient comprehensive scores. You can get a big data report in Beijian and clearly know your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the queried data is relatively accurate and comprehensive.

3. What if Meituan has a loan quota showing insufficient score?

If Meituan has a loan amount, but it shows that the comprehensive score is not enough to apply for a loan, it is recommended to check the specific reasons for the insufficient score (you can consult the platform customer service) first, and then take corresponding solutions after finding out.

The system mainly evaluates the account usage, credit status, economic income level, liabilities and repayment records.

If it is found that the credit is not good, such as the recent overdue repayment, which leads to the credit damage, it is suggested to suspend the application, pay off the arrears first, then take the time to improve the credit, and then try the loan after the personal credit is improved (it is best to improve the credit for three to six months).

However, if the recent frequent borrowing leads to excessive debts, you can pay off your debts or pay off part of them first, and then apply for loans again after reducing your personal debt ratio.

Usually, it is best to pay attention to maintaining good personal credit, especially remember to repay on time to avoid overdue; Don't keep it too long.