How soon can I apply for a willful loan after 0 107?

When users apply for discretionary loans, the system will conduct a second comprehensive evaluation. If the second audit fails, there may be tips that do not meet the loan conditions, which is caused by insufficient personal comprehensive scores. The comprehensive score of willful loan is based on the user's consumption, repayment and personal credit in Suning.

For the specific questions prompted by 0 107, Suning financial officials did not give a clear answer. Users can conduct self-examination through personal credit information and whether there is any overdue situation. It shows that 0 107 is the internal code of Suning's intentional refusal to lend. Just like applying for other online loans, it will show that the comprehensive score is insufficient and it is rejected. At present, there is no news to confirm which dimension the comprehensive score referred to in 0 107 is, whether it is a debt problem or a big data problem.

If the comprehensive score of willful loan is insufficient, you can reapply immediately, but it is best to reapply after three months. The insufficient comprehensive score of willful loan means that the applicant does not meet the application conditions for the time being and does not meet the requirements of willful loan. Therefore, reapplying immediately will also be rejected, so reapplying after three months. In this way, you can improve your personal quality and reduce your personal debt within three months, so there is a great chance to apply for a willful loan again.

It should be noted that applying for a willful loan will require credit reporting. If borrowers frequently apply for willful loans, the credit inquiry fee will be high because of too many times. So it is best to apply it again every one to three months.

Reasons for refusing willful loans:

1. Credit Reason: Suning Renxing Loan will look at the customer's credit information when applying, so if the customer's credit information is not good, there will be credit stains and it will be easily rejected.

2. Activities: Regardless of Alipay, JD.COM or Suning, these platforms that started as shopping malls like users to spend or buy wealth management products on them. In short, the more you shop on the platform, the easier it is to apply for their wealth management products.

3. Processing time: This is somewhat similar to the "activity" mentioned above. If the user applies for a new account that has just been registered, it may be rejected by the background, and there is a risk of cashing out.