Why didn't Meituan pass the line loan?

If the US Mission borrows money, it is probably caused by the following reasons.

1. Meituan's repayment is overdue.

When the loan repayment applied by Meituan was overdue, it was reported by the system to the central bank for credit investigation, resulting in personal credit damage. So the system closed the account, frozen the quota, and restricted the borrowing function.

Pay off overdue debts as soon as possible, and then suggest improving credit for three to six months.

2. Personal credit information has a bad record.

Bad records (such as credit card overdraft, overdue credit or guarantee, etc.) have recently appeared in the user's personal credit report. ). Because Meituan Finance has access to the central bank's credit information, the loan system will check the credit information every time. If it finds that the credit information is not good, it will naturally refuse to approve the loan for fear of lending risks.

Take the time to patiently repair bad credit information and accumulate more good records to cover bad records.

There are too many frequent loans recently.

Recently, users frequently apply for a large number of loans from a number of financial institutions, resulting in too many credit inquiry records, which become "wasteful", leading to the phenomenon of multi-head lending, and the personal debt ratio has also risen quite high, which makes the system worry about the instability of economic life.

It is suggested that you suspend the application for new loans for one or two months, and repay the borrowed but unpaid loans during this period. It is not too late to borrow again after the "expenditure" situation improves and the personal debt ratio decreases.

4. Personal comprehensive qualification has changed.

Recently, users have lost a stable source of economic income, their comprehensive qualifications have deteriorated, and the system score has dropped, which makes the system worry about the lack of repayment ability, so they refuse the user's loan application.

Try every means to obtain new sources of economic income (for example, those who leave their jobs can find new jobs) and strive to improve their overall quality.

5. This account has security risks.

Because the account is always logged in from different places, the account is frequently changed with different equipment, and the account information is frequently modified, which leads to security risks in the account. The system suspects that the account has been stolen, so the loan is restricted.

After that, I will avoid the above risky operations again, confirm my identity to the system, and remove the suspicion that my account was stolen.

6. There is something wrong with the authentication information.

The identity information of account authentication has expired, which leads to high account risk, so the system starts risk control.

Update identity information in time, then pay attention to maintaining the stability of personal information and wait patiently for the end of system risk control.

7. The platform loan funds are tight.

When users borrow money, the platform business is busy, and there are many people queuing to borrow money. Since the loan quota of the day has been robbed, the platform will naturally not approve any more money.

You can wait until the next day to apply early (places are generally refreshed every day, naturally first come, first served).

8. Maintain and upgrade the system.

Due to fault repair or service optimization, the background system is being maintained and upgraded. During this period, the system will lock the account and temporarily close the loan channel.

As long as the system is maintained and upgraded, the loan should be resumed immediately.

9. The status of the bound bank card is abnormal.

The status of the collection bank card bound to the platform is abnormal, such as expired, frozen, loss reporting, etc. In this case, the system naturally cannot successfully approve the money into the card.

Contact the bank to handle the card problem. If you can't handle it for a while, you can change a bank card with normal status and tie one.

10, Meituan's account was complained because Meituan often had malicious bad reviews, returns and other behaviors during shopping and consumption, and was complained by merchants, thus being included in the risk list of the platform. The platform will naturally no longer provide loan services for such users.

Then avoid this kind of bad behavior and maintain good personal credit.

If the online loan itself is not compliant, then such online loans are overdue and have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: inquire about your own online loan history, overdue details of online loans, debt situation, untrustworthy information and blacklist of online loans.

Extended data:

Why is the monthly supply of the US Mission suddenly unavailable?

Meituan's monthly subscription suddenly failed, mainly because the user did not meet the conditions for the use of Meituan's monthly subscription.

Meituan Monthly Club will evaluate users' credit status in real time. If the user's current credit status does not meet the conditions for using the monthly subscription of Meituan, the system will withdraw the monthly subscription quota or refuse the user to use the monthly subscription.

However, this situation is not permanent. As long as the user's credit qualification conditions change, the monthly payment can be resumed.

And users can use the monthly payment before, but suddenly they can't use it. It is not excluded that the consumption in the current month has reached the limit, and the limit will be restored next month, and users can use the monthly supply again.