The user's personal debt ratio is too high; The user's repayment ability is insufficient; There are bad credit records in the user's credit information; After applying for Ctrip financial loans, they are often paid off in advance; Ctrip's loan amount is insufficient; Ctrip's financial account activity is low.
The above reasons will cause users to fail to pass the loan review of Ctrip Finance. After the loan application is rejected, users need to reapply at regular intervals.
When a user applies for a loan, Ctrip Finance will review the user's real-time credit qualification status, so when the user's credit qualification status is poor, it will not pass the system audit.
Users need to keep good credit records and loan records for a long time, ensure the activity of accounts, appropriately control the personal debt ratio, and improve the probability of passing the audit.
For those who fail to apply for loans for many times, users can try to apply for other loans, or wait for a long time before applying for Ctrip credit line loans.
Ctrip Financial Technology (Shanghai) Co., Ltd. was established in July 2008 18.
The legal representative is Yan Feng, and the business scope of the company includes: technical development, technology transfer, technical consultation and technical services in the fields of financial technology, financial software, network technology and information technology;
Data processing services; Entrusted by financial institutions to engage in financial information technology outsourcing, financial business process outsourcing and financial knowledge process outsourcing;
Accepting professional dunning services entrusted by financial institutions; Industrial investment; Investment consulting; Investment management; Asset management (banking, securities and insurance businesses are not allowed above); Designing, producing, displaying and publishing advertisements;
Enterprise management consulting; Corporate image planning; Market information consultation and investigation (no social survey, social survey, public opinion survey or opinion poll); Financial consultation; Conference services; Exhibition service; Electronic product sales; Lease of self-owned equipment; Translation services, public relations activities planning, etc.
Ctrip Financial Loan:
1, platform background
Ctrip Finance is a subsidiary of Ctrip Group. Ctrip cooperates with major licensed financial institutions to provide loan services to users. Its products include credit loans, flowers, large loans and so on. , and have a certain strength. Borrowers can download Ctrip APP loans, and there is no need to pay any fees during the opening process.
2. Loan interest rate
Ctrip Finance mainly borrows flowers and brings flowers as two kinds of consumer credit loans, which do not need mortgage guarantee and can be handled directly online. Any loan product of Ctrip Finance is evaluated according to the comprehensive credit situation of the borrower, and differential pricing is implemented. The borrower's credit conditions are different, and the interest rate is also different, mainly in the loan page.
3. Loan amount
The loan amount of Ctrip's financial loan products is also differentiated credit, and the loan amount obtained by different borrowers will be different. Moreover, the loan amount is not fixed and will be adjusted irregularly with the change of the borrower's qualification. If the borrower continues to borrow from Ctrip Finance and repay it on time, it will help to develop good lending behavior.
4. Loan process
After downloading Ctrip Financial APP, the borrower registers the account with the mobile phone number of the real-name registration system, fills in the personal basic information according to the prompts, uploads the ID card and binds the bank card. After the comprehensive evaluation of the system, he will grant credit, and then submit a loan application after obtaining the quota, fill in the loan amount and term, and wait for the system to review. After passing, the system will transfer the money to the bound bank card.