1. The credit report is tainted: micro-loan is a pure credit loan product. Although there is no need for mortgage and guarantee, the system will have stricter requirements for the customer's credit report. If the customer's credit report is tainted, the system will find the problem after the audit and refuse the customer to make the next payment.

2. Income does not meet the requirements: Micro-loans naturally hope that customers can repay as agreed, and the premise of whether customers can repay on time is whether customers have stable and sufficient sources of income. If the customer's income is insufficient, the system will not agree to the customer's loan application, but directly refuse the loan.

3. The debt ratio is relatively high: when a customer applies for a small loan, if other foreign debts are not settled, the debt ratio of the customer is relatively high, and even the debt ratio of the customer has exceeded 50%, and the repayment pressure is great. In this case, the system may also refuse to pay the customer.

4. No credit demand: After the micro-loan is granted to the customer, it is hoped that the customer can keep a certain borrowing frequency in order to make full use of the credit line. If the customer has not used the credit line for a long time, the system will feel that the customer has no credit demand and may refuse to pay the customer.

5. Abnormal WeChat account: In order to successfully apply for micro-loan, the customer's WeChat account must be in a normal state, have completed real-name authentication, and have no abnormal login behavior. If the customer's WeChat account status is abnormal, the loan amount cannot be successfully obtained.