Micro-loan display on WeChat (comprehensive evaluation failed):

Micro-loan is an Internet micro-credit product launched by Tencent Weizhong Bank. At present, the micro-loan adopts the official invitation system, and invited users can see the micro-loan entrance in the QQ wallet of mobile phone QQ and WeChat payment.

If you get the prompt of "comprehensive evaluation failed" when you get the micro-credit line or apply for a loan, it means that you have not reached the audit standard of Weizhong Bank at present, and you can't get the line or loan for the time being.

In this case, it is recommended that you repay the loan on time, keep your personal credit record and protect your account information and personal privacy. The system will update the personal information of the account from time to time, so you can continue to pay attention in the future.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.

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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.

It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.

If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!

360 IOUs, with a maximum loan of 200,000!

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Staging music can be borrowed up to 50 thousand!

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What are the five main reasons for the failure of micro-loan application? What should I do?

Micro-loans have clear requirements for the application conditions of borrowers. Some loan users have met the loan requirements of the platform, but these users have been unable to apply. Then users should find out the reasons for their application failure and come up with solutions as soon as possible.

Five reasons for application failure

1. Microfinance will review the loan qualification of users. First of all, we should understand the relevant behaviors of users. If application users have just registered WeChat, they seldom use WeChat payment or even real-name registration system, then the platform will not know much about these users.

2. Microfinance will conduct telephone audit on some users. If users fail to pass the telephone audit, such as answering questions that are inconsistent with the loan information they fill in, the platform will also refuse to provide loans to these users.

3. Micro-loan is to check the personal credit information of each borrower. If the user has been in other online lending platforms in loans overdue before, the user's personal credit information will be overdue, and the platform will probably not provide loans to borrowers with overdue records.

4. The personal dynamic score of the borrower is constantly updated. If the updated information of users has not been evaluated by the system, it is suggested that these users can wait for a period of time and apply for a loan from the platform again.

5. If users have used micro-loans for a long time before, the platform's trust in borrowing users will decrease, and it may not provide loan services for these high-risk users.

How should users solve it?

1. Users should strive to improve their Tencent credit score, use WeChat or QQ wallet to pay more, and try their best to complete personal information.

2. Communication users should maintain their good personal credit, and borrowing on other platforms cannot be overdue.

3. Users sometimes encounter the situation that the micro-loan platform conducts manual telephone audit. If these borrowers don't answer the phone in time, users may fail to pass. It is suggested that these users must keep their mobile phones open after submitting loan applications.

To sum up, there are five reasons why users can't borrow money from microfinance. Users can refer to the above methods to solve the problem of loan failure and apply for a loan successfully next time.

What are the reasons for the failure of comprehensive evaluation of microfinance?

When using micro-credit loans, many people fail to pass the comprehensive evaluation of micro-credit, so what are the reasons? In fact, it may be caused by a variety of reasons, including insufficient repayment ability of users, abnormal social conditions, invalid application materials, and poor personal credit information. , users need to analyze themselves.

When applying for micro-loans, if the system finds that the borrower has recently applied for a large number of loans from other financial institutions, which is approaching the limit of the current repayment ability, then for the purpose of risk control, micro-loans will temporarily close the borrower's borrowing authority. Therefore, personal liabilities should be within a reasonable range when using micro-credit loans.

Abnormal social situation means that the user's WeChat usage record has been abnormal recently or is suspected of violating the rules. At this time, the use of small credit loans will also be rejected by the system; In some cases, users' failure in comprehensive evaluation is due to the invalidity of application materials, such as the expiration of ID card and the deactivation of mobile phone number in real-name registration system.

If we have used micro-loans and have overdue repayment records, even if the overdue records are not reported, the trust of micro-loans to users will be greatly reduced. In the case of strict risk control, it is difficult for users with overdue records of micro-loans to borrow again. Therefore, after daily use of small loans, you must repay them on time, and there can be no overdue repayment.

The credit limit of small loans is between 500 yuan and 300,000 yuan. When micro-credit was first opened, the credit line was generally several thousand yuan, and there were fewer users with more than ten thousand yuan. Moreover, different users get different daily interest rates when borrowing money, which are generally 0.02% -0.05%. It is worth noting that micro-loans cannot be opened by themselves, and can only be opened and used upon invitation of the system.

Microfinance can only be an integer multiple of 100. The maximum amount of each loan is 40,000 yuan, and the minimum amount is 500 yuan. If it exceeds 40,000 yuan, you can borrow it several times at this time. For example, if Xiao Wang wants to borrow 50,000 yuan, he can choose to borrow 40,000 yuan, 1 10,000 yuan, and pay it back in two installments. When borrowing money, different users get different loan interest rates.