Why did my group have a quota to borrow money, but it didn't succeed?

The temporary unavailability of the loan line of Meituan is usually caused by the following reasons.

1, and the loan amount is less than 500.

The minimum loan amount for a single loan of Meituan is 500. If the loanable amount is less than 500, the user cannot submit a loan application.

If the lenders are Chongqing Meituan Sankuai and Jilin Yilian Bank, then the single minimum loan is 600.

The loan amount is given by the comprehensive evaluation of the system. Users need to wait for the loan amount on the loan page to be greater than or equal to 500 before trying to issue a loan application.

If the lender is Chongqing Meituan Sankuai and Jilin Yilian Bank, the loan amount on the page must be greater than or equal to 600.

2. Personal credit is not good.

There are overdue records of other credit businesses in the user's credit report, so the user's credit report is in a bad state.

When the system examines the user's loan application, it will reject the user's loan application if it finds that the user's credit information is not good.

There are outstanding overdue debts in the credit information, and users need to pay off the overdue debts first.

The overdue debts have been paid off, and users need to maintain a good credit status.

3. Frequent borrowing in the near future.

Users frequently apply for loans in a short period of time, and the system will find a large number of loan approval query records when reviewing the user's credit report.

A large number of loan approval inquiry records will spoil the user's personal credit information. After the credit information is ruined, the system audit will be more strict.

After the system audit becomes stricter, the probability of users passing the loan audit will decrease.

When applying for loan business, users should pay attention to the frequency and interval of application, and try not to apply for credit business frequently in a short time.

4. Insufficient repayment ability.

There are overdue records in the credit information, indicating that the user's repayment ability and willingness are not strong, so the system will think that the user's repayment ability is insufficient when reviewing the user's credit information.

Users should increase the assets in Meituan's account, and more assets prove that users are in good economic condition.

Moreover, a good economic situation can prove that users have strong repayment ability.

5. The income does not meet the requirements.

The recent decline in users' income will lead to users' income not meeting the requirements, and the system can judge users' monthly income according to their consumption.

Users often need to spend money in Meituan APP and Meituan Takeaway APP. A certain consumption record can prove that the user's income is good.

6. The loan of the American delegation is overdue.

The overdue record was generated when the user borrowed money from Meituan before. Although the overdue debts have been paid off, the overdue records have not been deleted.

Or the loan borrowed by Meituan is overdue at present, and it is impossible to apply for a loan again in an overdue state.

The overdue debts have been paid off, and it is necessary to continue to accumulate good credit records.

You have not paid off the overdue debt, please pay off the overdue debt first.

7. The demand for loans is very low.

If the user has not used any loan service in Meituan, the system will judge that the loan demand is low.

When the user's loan demand is low, the system will provide the user's loan quota to other users.

Users can try to accumulate a certain loan repayment record by using Meituan's monthly payment, and then try to apply for Meituan's loan.

8. The status of the bank card is abnormal.

When the bank card is used as the repayment bank for the loan of Meituan, if its status is abnormal, the loan will fail.

Users should ensure that the bank card status is normal. If the status of the bank card is abnormal, please bind a new bank card in time.

9. The account is risky.

Users change different devices to log in, frequently modify account information or the ID card information of real-name authentication expires, which will lead to certain risks in Meituan accounts.

Users can remove the abnormal status of the account according to the relevant prompts, or keep the information stable and don't modify personal information frequently.

10, the loan amount is insufficient.

There is a daily loan limit for Meituan to borrow money. When the amount of the day has been spent, it will be displayed as loan failure when the user applies for a loan again.

Users should choose to apply for loans when the loan amount is sufficient.

1 1, background system upgrade and maintenance.

Meituan's loan background system will be upgraded and maintained irregularly, and the loan application will not be processed during the upgrade and maintenance.

After the system maintenance and upgrade is completed, users can apply for Meituan loan normally.

The user's recent application for online loan, whether the repayment is timely, and whether the identity information is suspected of online loan lending can all be clearly reflected through online loan big data. You only need to use credit inquiry tools, such as "Xiaoqi Credit Inquiry", and you can get a detailed risk report.

Extended data:

Meituan's loan shows that the comprehensive score is insufficient and the loan is unsuccessful. Is it necessary to deduct money?

Borrowing money from Meituan will not be deducted after the comprehensive score of the system fails, and there is no situation that the loan is not borrowed but has to be repaid (of course, some small loan platforms without the approval of the CBRC and financial license may deliberately charge upfront fees before the loan arrives, so be careful to avoid such platforms).

For Meituan's loan, after the loan fails, you can contact the customer service of the platform to consult the reasons for rejection, find out the reasons and take measures to solve them, and then you can re-apply for the loan.

For example, the system prompts you to borrow after 30 days, pay attention to accumulating credit, and then borrow after 30 days.

Of course, if there is a problem with credit, it is best to keep it for a long time, otherwise the damaged credit has not been completely repaired, and it is easy to be rejected if it is borrowed again.

And if the debt is too high to refuse, then try to pay off the debt first. If you don't know for a while, pay back as much as possible, and then borrow it after reducing the personal debt ratio.