1. Prepayment: Because of prepayment, it is necessary to lend this fund again, which actually increases the operating cost of the loan, so it is often prepayment, and it will be impossible to apply for a loan again after repayment.
2. There is credit suspicion: every repayment on time will be recorded in Sesame Credit, which will help improve Sesame Credit Score. However, the loan amount is small, and it is repaid in advance every time. After the system detects suspected cheating, it will close the loan line.
3. Insufficient loan amount: The cash loan business of Lending Bao is actually in a tight state. When the user's activity is not enough and the credit score drops, it is possible to close the current quota and misappropriate it to users with better qualifications.
4. There are overdue repayment records: there have been overdue records of 1 or above during the repayment period, so after the last loan is settled, the bank may be closed by borrowing. This situation is because the system thinks that the borrower's repayment ability and willingness are insufficient, and there is a greater risk of overdue if lending money to users, so the loan line is closed.