I. Reasons for credit investigation: Gome Finance is a large-scale loan installment platform. When applying for a loan, you should check the credit information. Moreover, after Gome's electronic card is reopened, the system has relatively strict requirements for user qualifications, which means that people with poor credit information are not good at applying or just don't want to apply. Even if you apply, the system has given you a quota and you can't apply for a loan. The letter from the front-end model bureau is an important reason for the failure of Gome's electronic card quota application.

Second, the personal comprehensive evaluation is insufficient: after the financial system reform and the prohibition of malicious collection, many platforms directly improve the personal comprehensive evaluation in order to prevent the emergence of Lao Lai. If personal social problems are confusing, such as people with negative records in the address book, there are too many telephone messages on the online loan platform in the call record, which is why you should look at the address book when installing the app. Therefore, the lack of personal scores is also the reason why Gome's electronic card failed to pass the quota application.

Third, the second audit did not meet the requirements: the amount given by the platform was listed as passed in the first audit, but the system will also conduct a second audit when borrowing money. During the second audit, the lending institution will check whether your account number, mobile phone number, bank and other information are abnormal. If the system score is not reached and the qualification is not enough, the second review will fail, which is also an important reason for the failure of Gome's electronic card quota application.

Fourth, the platform system problem: because the loan is operated by computer system, if the borrower happens to be a system problem when applying for the loan.

1. Gome Easy Card divides consumer finance into online consumer finance and offline consumer finance. The products cover consumption installment, cash withdrawal, provident fund loans and credit card services.

Second, Gome E-Card integrates the advantages of online and offline resources, deepens the development model of "scenario+finance+technology", accelerates the penetration into the field industry, strengthens the breakthrough of external scenarios, drives the extension of Puma Changhui's financial scenarios with innovative scientific and technological means, and provides customers with omni-channel and integrated products and services through a diversified family financial service system. [3] Gome e-card has completed the business layout of 2,400 offline stores in more than 700 cities across the country, providing a full range of consumer staging services for more than 26 million users.

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