You Yihua's SMS purchase application was rejected?

Why was the loan refused? In fact, more than 90% of products require real-name authentication of mobile phone numbers for more than 3 months. Lenders can obtain communication records through the mobile phone number you provide. The wider the circle of friends, the higher the default cost of lending institutions, and the greater the chance of lending to you. Once you find that there are few or no communication records, you will judge that your mobile phone number is abnormal. At this time, it is normal to refuse every second.

Generally speaking, we think that the higher the salary, the higher the loan amount will be. However, lending institutions may judge whether you lied about your income through your online transaction records and transaction details of e-commerce platforms (such as pass Taobao and JD.COM). If the agency verifies that the income of the position you filled in is not within the normal range, your loan application is likely to be rejected.

In addition, for some friends who have changed their work cities, because the delivery addresses of Taobao and JD.COM are not consistent with the work and home addresses filled in, this will also make the lending institution think that it is risky to lend you money, so before applying for a loan, you must change this information to be consistent, so that the probability of next payment will be higher.

In fact, the loan is not 100%, just to find out the rejected problems and optimize them.

First of all, the inappropriate products were selected.

At present, there are many online credit products, but each product has its own characteristics, some for office workers, some for student parties, and some for credit card holders? Moreover, the risk control of each product organization is different. Some say no to overdue, some say no once or twice, and there is still a chance. If your sesame score is 580, but you want to apply for a product that requires sesame score above 600, you will definitely be rejected.

So before applying for a loan, you must have a detailed understanding of the product. First of all, you should sort out and evaluate your personal data according to the product information such as age requirements, identity requirements, loan term and credit requirements, and then you can choose the products that are suitable for your application.

If you feel that the process of understanding the product is very troublesome, in fact, the third-party loan platform provides a good solution for everyone in this respect. Generally, enter personal information such as age, amount, loan term and professional identity, and the system will automatically help you screen out products that meet your needs. If you meet the requirements, the success rate of lending will naturally be much higher.

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Second, the application information cannot be filled in correctly.

A friend applied for a loan online, but you can't swear or cheat information when you repay the loan next time. Bian Xiao also knows that everyone is short of money, but filling in the application information truthfully and accurately is the minimum guarantee for success.

In the Internet age, some friends may worry that their personal data will be leaked, or that lending institutions will call friends around them to let them know that they will lose face. In view of this situation, a friend thought of buying a mobile phone number on a treasure to apply for a loan. There is no doubt that this will definitely be rejected.