Postal savings bank has a credit line, but it can't lend, which may be the reason of the bank. The postal savings bank system has problems or is being upgraded, so it can't be used normally. However, this situation is special, and official website will be informed that the system can not be used again until it returns to normal, and it needs to be approved. The main reason for users is their poor credit status. For example, the credit business of users' credit information is not fulfilled on time, such as overdue credit cards and loans overdue, leaving bad credit in the credit information.

First, the Postal Savings Bank enjoys postal loans.

It is understood that after the application for postal credit line is approved, users can log in to mobile banking, click "mortgage-loan-personal loan" to enter the postal credit page, and click "withdrawal application" to operate, and the bank will review the user's withdrawal application. If there is an unusable credit line, it means that it has not been approved and failed. There may be the following reasons: 1, bank reason: the postal savings bank system is out of order, which needs to be used after the system returns to normal, and it also needs to be re-approved.

Second, the postal wage loan conditions

Also, after submitting the postal wage loan application, the auditor will call the audit phone, and the user will miss the audit phone, which will also lead to the failure of the loan application. Therefore, it is possible to borrow money only if the loan conditions are met and each review step is passed. As for the postal wage loan, there is a quota but it cannot be borrowed. This situation is relatively normal. After all, the amount given before is the credit line, not the final loan line.

To sum up, there are many reasons why limited postal loans cannot be used. In addition to banks, the borrower's own qualifications are the most critical. In short, the comprehensive score is insufficient. This requires borrowers to maintain good credit before spending the loan amount, establish more business contacts with the Postal Savings Bank, and strive to improve their repayment ability.

What if you don't lend money after posting your loan?

You haven't borrowed money, which means you haven't met the conditions for lending, so you haven't lent money yet.

There is no way, you can only borrow from other platforms instead of their platforms.

Because you usually apply for a loan, you can pass it immediately without any problems.

Chizhou Postal Savings Bank recently failed to obtain a loan for upgrading the banking system. What happened?

Chizhou Postal Savings Bank was unable to obtain a loan for upgrading the banking system these days because the user failed the system audit. 】 Postal Savings Bank app loan email, you can't make a loan, and the user failed the system audit. After submitting the loan application, the Postal Savings Bank must pass the system audit before lending.

Why didn't China Post's consumer loan drop in June 5438+February? Let me try again in June 5438+ 10.

Financial insurance, stock funds, futures credit card loans, making money, consumption, benefiting the people, finance and taxation, etc.

There are three main reasons why China Post can't get a loan from consumer finance.

Kiki

2020-07-06 17:55:20

Explore its finance and economy

China Post Consumer Finance is a licensed consumer finance company. Its loan products include mail you flowers, mail you loans and mail you buy, any of which are revolving loans. In other words, these three loan products can be recycled. Then, why can't China Post's consumer finance be loaned?

Why can't China Post's consumer finance be loaned?

1 loans overdue

Recently, there are overdue behaviors such as loans and credit cards, or illegal use of credit cards and loans, such as credit card tx.

Use consumer loans for investment.

2. The comprehensive score is insufficient

It may be that risk control has become stricter and personal conditions no longer meet the loan requirements. It may also be that the personal debt ratio is relatively high, and the user has modified his personal data and is no longer eligible.

3 system problems

If the above conditions do not exist, it may be that the lending institutions are short of funds, resulting in insufficient loan quotas.

Generally speaking, the consumer finance of China Post cannot borrow money, which may be because the borrower has a record of overdue repayment. Or the overdue records of other loans are added to the personal credit information, the personal debt ratio is too high, and the user temporarily does not meet the loan conditions after modifying his personal data. In addition, due to the tight business volume, there is not enough loan quota for the time being, which is one of the reasons why it is impossible to lend money.