What does it mean that the risk control audit of the rice housekeeper loan is unqualified?

1. What does it mean that the risk control audit of the meter housekeeper loan is unqualified?

1, too many credit inquiries.

Why are there too many credit records? The loan applicant thinks that you are in urgent need of funds, but some conditions do not meet the requirements, and the risk of default is high. But don't be nervous, because the inquiry of credit records is generally open, that is, the inquiry of financial institutions or the inquiry of third parties is used as the evaluation condition. If it is your own personal inquiry, it will have little impact.

2. Apply for loans or credit cards frequently.

If the number of loans is too high, the lending institution will think that the cost is too high and the risk is too great, thus rejecting your loan application.

3, the debt is too high

For example, if you earn 10,000 yuan a month, you will get 20,000 to 30,000 yuan. In this case, if you apply for a loan, you will naturally be refused a loan.

4. Guarantee loans for others

As a guarantor, you have the obligation to repay your debts, so you have generally given guarantees to others, and most of them will be refused loans when applying for loans.

5. Other reasons

In addition, industry restrictions sometimes become reasons for refusing loans. For example, civil servants are obviously easier to apply for loans than ordinary wage earners, and some people engaged in sales, coal mines and aerial work are extremely risky. Lenders are very cautious about their loans.

Second, what is the failure of risk control?

Failure to pass the risk control means that the borrower does not meet the requirements when handling the loan. At this time, financial institutions will directly refuse. The contents of risk control audit include credit, asset certificate and repayment ability. When the loan fails to pass the audit, users can consult, know what has happened, and then make corrections, and subsequent financial institutions will pass. If there is something wrong with the borrower's credit information, it cannot be changed. At this point, users can deal with the causes of bad credit information in time. After processing, this record will be kept for 5 years, and will disappear automatically after 5 years. If left untreated, it will always be recorded. The borrower must repay the loan on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the time, the more penalty interest, and the heavier the burden of subsequent repayment. Moreover, after overdue repayment, financial institutions will collect the money until the borrower returns it. Risk control is risk control, which mainly appears in loan or card business. For example, when the credit card used by the user is abnormal, it will be controlled by the wind; The risk of loan default will also be controlled by the wind The cancellation time of credit card risk control varies due to different risk control reasons. Risk control caused by frequent withdrawals and incorrect passwords. Generally around 24 hours, the risk control status will be automatically released. Risk control caused by overdue credit card. Generally, the ban will be lifted automatically in one to three months, and credit cards are suspected of cashing out and other illegal transactions. The risk control may be eliminated in a few years. The solution to credit card risk control is as follows: 1. Credit cards are mostly swiped in large consumer places, such as department stores and supermarkets, which proves that users currently use their cards normally; 2. Increase the number of credit card swipes: Pay attention to the credit limit every time you swipe your card. Don't run out of credit line after several times. It is best to spend more, and the credit limit is controlled at 70%. 3. Communicate with the bank: If the account status is abnormal, you can cancel the risk control after contacting the bank customer service; 4. Repayment on time: After being controlled by the wind, it is best to repay each installment on time, not overdue, so that the risk control will be naturally lifted after a period of time.

Third, app risk control solution?

1.

Unlock the phone lock screen, find "phone housekeeper" on the phone screen, and click to open the phone housekeeper.

2.

After starting the mobile phone housekeeper, click "virus killing" in the lower right corner to enter the virus killing interface of the mobile phone housekeeper.

3.

In the virus killing interface, click "Risk Control Center" under Deep Management.

4.

Find the application that needs deregulation in the risk control center, and click to view the risk details of the application.

4. What does it mean that the risk control audit of the rice housekeeper loan is unqualified?

1, too many credit inquiries.

Why are loan applications easily rejected because of too many credit records? Because the lending institution thinks that you are in urgent need of funds, some conditions do not meet the requirements and the risk of default is high. However, there is no need to be nervous, because banks generally look at public inquiries, that is, inquiries from financial institutions or third parties as evaluation conditions. If it is your own personal inquiry, the impact is not great.

2. Apply for loans or credit cards frequently.

If you borrow too many times, or apply for a credit card too many times, the lending institution will think that the cost is too high and the risk is too great, and thus refuse your loan application.

3, the debt is too high

For example, if you earn 10,000 yuan a month, but you have to pay back 20,000 yuan to 30,000 yuan a month, applying for a loan will naturally be rejected.

4. Guarantee loans for others

As a guarantor, you have the obligation to repay your debts, so you have generally given guarantees to others, and most of them will be refused loans when applying for loans.

5. Other reasons

In addition, industry restrictions sometimes become reasons for refusing loans. For example, civil servants are obviously easier to apply for loans than ordinary wage earners, and some people engaged in high-risk occupations are easily refused loans, such as salesmen, coal miners and aerial work, which are extremely risky. Lenders are very cautious about their loans.