For many young people, installment consumption is a trend. Although poor now, the future is bright. Why not enjoy life in advance? Some people are used to using Lehua card to spend by stages, but sometimes they can't. Why can't Lehua Card be used suddenly? This article will tell you why Lehua Card can't pay.
Why can't Lehua Card be used suddenly?
Lehua Card is a credit product of installment music. It is an electronic account that supports consumption by stages. Bound to WeChat or Alipay. In the consumption scenario that supports WeChat payment and Alipay payment, you can use the credit line of Lehua Card for payment. After consumption, the repayment shall be made in installments according to the number of installments set by the borrower.
Lehua card suddenly can't be used for the following reasons:
1. Lehua Card can only be used in installments within its credit limit. If the borrower's own credit line is insufficient, it will definitely not support him to make large consumption again.
If it cannot be used due to insufficient credit line, it is suggested that the borrower settle part of the arrears first, and then use it after the credit line is restored.
2. Unlike bank cards or credit cards, Lehua cards can be used directly by swiping cards, and the given credit limit needs to be reviewed twice. If the borrower's comprehensive score is insufficient, which leads to the failure of the audit, it will not be used normally.
Lehua Card is a cooperation between installment music and banks. When you use it, you will check the credit information of the borrower. If the borrower's credit information is poor, the use of Lehua card is overdue, or the repayment ability is reduced, and the installment account is not active enough, it may lead to the failure of the audit.
In this case, the borrower must first analyze which aspect of his qualification has deteriorated, and then try to apply after adjustment.
3. objective factors such as network deterioration or system maintenance may also lead to the sudden unavailability of Lehua card. At this time, wait for the network to get better or the system to return to normal.
Why can't Lehua Card be used suddenly? We can analyze and deal with it according to the reasons. When using Lehua Card every day, you should also remember to repay on time and accumulate a good credit record.
What is the reason why Lehua card can't be used?
Lehua Card is a product that can be used in all consumption scenarios that support WeChat and Alipay payment after the cooperative bank opens an electronic account by stages. If the customer's Lehua card is obviously restricted but can't be used, it is probably caused by the following reasons:
1. The limit of Lehua Card is insufficient, and the consumption amount is greater than the available limit.
2. Due to overdue repayment, frequent replacement of equipment and login, frequent modification of mobile phone number and other personal account information, account risk rises, which is controlled by system risk and restricts large consumption.
3. The system detects that the current transaction is risky, so the transaction fails.
It should be noted that Lehua Card uses the loan quota of installment music, not the shopping quota. In addition to online and offline consumer transactions through WeChat and Alipay, you can also make Alipay, WeChat transfer, send WeChat, Alipay red envelope and WeChat change recharge. Customers should remember to accumulate good consumption and repayment records and maintain good personal credit when using them.
Why can't I use a phased Lele flower card?
There may be a credit problem, and it is controlled by the wind, so it is impossible to use Lehua Card to withdraw cash.
Lehua card can be cashed in three ways:
First, the recharge category, such as telephone charges, currency deductions and so on. (Advantages: small amount can be brushed, and one knot can be tied in a second. Disadvantages: the limit is 2000).
The second is card encryption, such as oil cards and telephone cards. Advantages: secondary settlement, disadvantages are often out of stock.
Third, physical objects, such as mobile phones and computers. Advantages: unlimited, disadvantages: cash on delivery.
Extended data
In terms of business model, Staging Music cooperates with JD.COM Mall and many partners, starting with buying mobile phones by Staging Music, and gradually expanding to the whole 3C digital, outdoor sports, beauty care, education and training, eating, drinking and having fun and other fields.
The cash withdrawal methods of installment shopping available quota and loan available quota are as follows:
First, send the virtual cards such as "phone card, oil card and Apple card" to the account for verification with the sent card number after 3 minutes.
Second, the plane ticket mode, specify the flight to be purchased, and it can be received within 10 minutes after purchase.
Third, the mobile phone delivery method, specify the mobile phone model and address to buy, and you can get your money back after the goods arrive. Normal logistics is the next day, Jingdong Logistics Distribution.
Why is Lehua Card temporarily unavailable? There may be these reasons.
Lehua Card is an installment credit loan product. When applying for Lehua Card, the initial credit line can be obtained through preliminary examination. You can bind Lehua card to WeChat or Alipay, and then you can use it to pay when you use them. Then why can't the Lehua card be used for the time being? Let's get to know each other.
Why is Lehua Card temporarily unavailable?
1, the applicant's comprehensive score is insufficient.
Lehua Card cooperates with banks in stages, and it needs to check the credit information of users when using it. Even if the credit line is obtained and used, the system of Lehua Card will still evaluate users and analyze them according to the data of user's installment account activity, the use of Lehua Card, personal credit information and repayment ability. If the credit information becomes worse, or the debt ratio is too high, it is often impossible to pass the second audit, and the credit line is temporarily unavailable.
2. Network problems
The use of Lehua card needs online operation. If the network signal is not good, it will lead to the failure of the use of Lehua card, and it will be temporarily unavailable.
3, the system itself.
In order to provide better service to users, the system needs to be constantly maintained and updated, otherwise there will be occasional bugs. At this time, if you want to use the Lehua card, it will be invalid, and it will take a long time for the system to be repaired before it can be used normally.
4. The quota is too large.
Lehua card can only be used in installments within the available amount. If it exceeds the limit, it cannot be used.
The above is the answer "Why the Lehua Card is temporarily unavailable". If you want to use the Lehua card normally and avoid the situation that you can't use it even if you have a quota, you must maintain a good personal credit, and you can't have a bad credit record in your credit investigation. When using the loan line of Lehua Card, you should repay on time, not overdue, maintain a good economic situation, and the debt ratio should not be too high.