Of course, if it can't be unlocked the next day, we need to call customer service to help unlock it. If you forget your password, you can click Forgotten Payment Password in WeChat Payment Management to verify your identity and reset your new password.
Small loans can only be started if the following basic conditions are met:
The status of micro signal or QQ number is normal; The user has completed real-name authentication; The mobile phone number has been bound to the account; The account has been bound with a savings card. Meet the above four basic conditions, and the user has passed the big data system evaluation of micro-loan, then it is possible to obtain the loan entrance of micro-loan.
If the user meets the basic requirements, but can't see the micro-loan icon, then the user is not an invited customer of micro-loan for the time being. Please continue to maintain a good credit record, and micro-loan will gradually open invitations to users.
Although there is no other way for users to actively apply for opening micro-loans, there are some ways to improve the opening probability:
First, improve personal information.
Some people have opened WeChat and left it alone. In fact, micro-loans have been made very clear. Only when personal information is complete can micro-loans be opened. For example, the real-name authentication of QQ and WeChat, the binding of real-name registration bank card and mobile phone number, if the credit card repayment record is good in the past six months, it will be icing on the cake.
Second, pay for consumption with WeChat.
Micro-loan is a credit loan of Weizhong Bank, and the bank loan business pays more attention to running water. More use of WeChat payment can increase the flow of WeChat, which can show that users have certain economic strength.
Third, buy more wealth management.
If you have enough money, buy some funds, insurance and wealth management products and save them to collect interest. After a period of time, small loans can be opened.
Fourth, use the "credit card repayment" function of WeChat.
All credit cards must be bound to WeChat, and the monthly repayment will be several thousand yuan, and there will be a quota soon. Although WeChat also charges for credit cards, in order to open small loans, this little money must be spent.
5. Keep good credit and don't be overdue.
It is very important to maintain good personal credit, because the "white list" is comprehensively evaluated by Tencent Big Data and Central Bank Credit Information. If you have overdue or unpaid debts, it will affect the opening of your microfinance.