Is it because the micro-loan can't be lent out and the system has to recover the quota? brief introduction

Why can't a small loan be lent if there is a quota?

1. failed to meet the approval requirements of Weizhong Bank, so the loan cannot be made; 2. There is something wrong with the audit; 3. If the current micro-loan is not paid off on time, the loan will also fail.

Specific solutions:

1. The borrower can check the personal credit report to see if there is any overdue in the "credit record". If there are many items in the personal credit report, such as "credit record", "number of overdue accounts" and "number of accounts overdue for more than 90 days", in this case, the micro-loan will remind the borrower that it does not meet the requirements of bank lending; Or the "inquiry record" in the personal credit report is frequently inquired by many lending institutions. It may also lead to "the comprehensive score does not meet the loan requirements".

The official customer service of micro-loan clearly stated that the comprehensive score is not fixed, and the system will re-evaluate it from time to time in the later period. Therefore, it is recommended to maintain good personal credit records and repayment habits, and protect account information and personal privacy. After a while, you may be able to borrow money successfully.

2. After applying for a loan, the staff can call the confirmation number: 0755-88648320. If the applicant fails to answer the confirmation call in time or misses it many times, or answers the audit call but has questions, it may lead to the failure of the loan application. In this case, you can try to reapply and reply to the confirmation call in time. Don't cheat when answering the audit phone, especially the company name and landline phone number; In addition, in the income part, you can add the year-end bonus and project bonus to your salary to let the other party know that you have enough repayment ability; When answering the purpose of the loan, spend normally, such as buying a mobile phone, decorating, traveling, etc. You can do it, and you never talk about paying off debts or gambling.

3. Settle the current loan before re-operating. It should be noted that repayment must be made in full and on time. If it is overdue, the credit line of microfinance may be recovered or reduced.

Tips: It is suggested that in this case, the applicant can consult the official customer service through the official account of micro-credit WeChat, and the customer service will verify the details of the applicant's account and give specific instructions.

Is it true that the micro-loan is overdue for 3 days and the loanable amount cannot be used? Can I borrow it after I return it?

Micro-loan is a credit loan of Weizhong Bank. After several years on the line, there are still many people borrowing money from micro-loans. Remember that it must not be overdue, otherwise there will be no next loan if there is a quota. For example, someone consulted that the micro-loan was overdue for 3 days and said that the loanable amount could not be used. Is it true? Can I borrow it after I return it? Let's have a look.

Is it true that the micro-loan is overdue for 3 days and the loanable amount cannot be used?

It's true. I consulted the micro-loan WeChat customer service and learned that if the micro-loan has overdue loans, it is impossible to lend. Moreover, many people posted on the Internet that the micro-loan was overdue for one or two days, and they received a short message from Weizhong Bank, which meant that the micro-loan repayment failed, resulting in the overdue amount, and the loanable amount could no longer be used.

Users must pay off the overdue part of micro-loans before they can try to borrow. If they don't pay it back, they can't lend it out anymore. Even Weizhong Bank will take back the micro-loan quota, leaving users with no quota to borrow.

Can I borrow the small loan after it has been repaid?

Many people paid it off after loans overdue, but some people refused to lend it out. The page prompts "Comprehensive evaluation failed, no loan can be obtained", indicating that the user's current account does not meet the standard of automatic system review.

Micro-credit is evaluated irregularly by Weizhong Bank using big data system, which involves many factors, except the economic environment and policy adjustment, which are mainly affected by the borrower's credit status, including the borrower's credit, repayment ability, micro-credit use and so on.

In short, a small amount of loans overdue can no longer be borrowed. You need to pay it off before you can borrow it again. Users are advised to maintain good credit, use more WeChat products, and establish business contacts with Weizhong Bank, such as deposit and purchase wealth management products. The next borrowing rate will be higher.

The micro-loan is still there, so I can't borrow it. I'm anxious.

If you can't borrow micro-loans, it may be that the user has overdue repayment many times during the use process, or that you have repaid in advance many times. The system thinks that you are not short of money, so you can withdraw your quota.

In the process of lending micro-loans, if the loans overdue of other platforms, it will also affect the re-lending of micro-loans. If you don't know why you can't borrow any more, you can call for advice and apply again after you know the reason. Micro-loans are opened by invitation and can only be opened if they meet the requirements of the platform. The maximum loan amount of microfinance is 300,000 yuan, and different users get different amounts. Moreover, different users have different interest rates, and the daily interest rate of borrowing is between 0.02% and 0.05%. Users can borrow money from micro-loans in 3 minutes as long as they pay attention to the flow of bank card transactions. After using small loans, you must repay them on time, and don't be overdue. When repaying, you can use WeChat change and bound savings card to repay.

1. Wechat is a free application for providing instant messaging service for smart terminals launched by Tencent on 2011,which was created by the product team of Tencent Guangzhou R&D Center led by Zhang Xiaolong.

Wechat supports fast sending of free voice messages, videos, pictures and texts across communication operators and operating system platforms. At the same time, you can also use service plug-ins such as "shake", "circle of friends", "public platform" and "voice notepad" to enjoy streaming media content through * *.

Second, WeChat payment is a payment function integrated in WeChat client, and users can complete the fast payment process through mobile phones. Wechat payment provides users with safe, fast and efficient payment services, based on fast payment of bank cards.

Support payment scenarios: WeChat public platform payment, APP (third-party application mall) payment, QR code scanning payment, credit card payment, the user displays the barcode, and the merchant completes the payment after scanning. Users only need to associate a bank card with WeChat and complete the identity authentication, then they can turn the smartphone with WeChat app into a universal wallet, and then they can purchase the goods and services of the cooperative merchants. When paying, the user only needs to enter the password on the smart phone, and the payment can be completed without any swiping steps. The whole process is simple and smooth.

3. WeChat Payment supports credit cards issued by the following banks: Shenzhen Development Bank and Bank of Ningbo. In addition, WeChat Pay also supports debit cards and credit cards of the following banks: China Merchants Bank, China Construction Bank, China Everbright Bank, China CITIC Bank, Agricultural Bank, China Guangfa Bank, Ping An Bank, Industrial Bank and Minsheng Bank.

Fourth, others:

20 14,13 On September 38, in order to provide more users with an e-commerce platform for WeChat payment, the WeChat service number no longer charges a deposit of 20,000 yuan for applying for WeChat payment function, and the threshold for opening a store is lowered. The specific charging scheme of WeChat cash withdrawal is that each user (ID dimension) enjoys a free cash withdrawal amount of 1000 yuan for life, and the excess is charged according to the bank rate, and the current rate is 0.655. Functions such as WeChat red envelope, face-to-face payment and AA payment are not affected, and no handling fee is charged.