Is it true that you received the SMS micro-loan evaluation?

It's not true that WeChat's micro-loan has been evaluated by SMS. WeChat's micro-loan must be operated on WeChat to directly query the evaluation results without SMS notification.

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What is the reason for the failure of WeChat micro-loan evaluation?

1, personal qualifications are not enough, and many new WeChat users will encounter this situation. 2. The telephone audit failed, and the questions answered were not recognized by the auditors. 3. Personal credit information is poor, the use of credit cards or loans is overdue, and there are overdue records in personal credit information. 4. Small loans overdue, there have been cases of small loans overdue repayment or non-repayment before. "Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" adopts the user invitation system. At present, invited users can see the "micro-loan" entrance in both the "QQ Wallet" of mobile QQ and the "WeChat Wallet" of WeChat, and can get a maximum loan amount of 200,000 yuan. As an Internet banking loan product launched by Weizhong Bank, "micro-loan" has the following characteristics: (1) unsecured and unsecured; Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit. (2)7*24 hours service, the fastest 1 minute to complete the loan; Relying on strict risk control rules and complete technical support system, "micro-loan" provides 7*24 hours online service, with convenient and efficient procedures. All processes are completed on mobile phones, and loans can be made in 40 seconds at the earliest. (3) There is no handling fee for prepayment; Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the regular default withholding repayment, "micro-loan" also supports users to settle loans at any time without charging any other additional formalities. What should I do if the comprehensive evaluation of microfinance is unqualified? Tencent will judge whether to provide you with micro-credit loan service according to your WeChat payment log and bank credit report. You usually don't use WeChat to pay or rarely use it, and you don't have a diary. Tencent will think that you have no loan demand and no repayment ability. So I won't provide you with a service. If you often use WeChat to pay and the amount is large, it shows that you have the demand and repayment ability, and Tencent is naturally willing to lend you money. I suggest you keep your personal credit records and repayment habits, and protect your privacy. The system will update your personal information from time to time!

On finance