Why is Suning’s arbitrary payment loan channel under maintenance? It may be a polite refusal of the loan!

In recent days, many friends have been using Suning Renxin Pay Shiwei, but have been prompted by the system that "the loan channel is under maintenance". After waiting for a period of time, it still cannot be used. What is going on? Here, I will tell you the reasons and try to solve the doubts in everyone's mind. Judging from the situation, the prompt "Loan channel is under maintenance" is almost the same as the prompt "Loan failed". If this prompt appears for a long time, it means that you are temporarily unable to meet Suning's loan requirements and your account has been frozen. In other words, in the maintenance of lending channels, it is a euphemistic term for denying loans. This situation is often caused by two reasons. These two reasons are:

1. Decline in comprehensive credit For Suning Renzhifu, the borrower’s comprehensive credit situation is the most important guarantee for lending funds. If your overall credit has declined due to tainted credit reports, overdue payment records, bad online shopping records, decreased income, and increased liabilities, then you will not meet the loan conditions.

2. Raising the lending threshold. In some cases, out of consideration for the safety of lending funds and the scale of lending funds, Suning Renzhifu will appropriately increase its lending threshold. For those who are on the edge of the threshold, they are likely to lose the right to use Suning's free payment. The above has given you a detailed introduction to what is going on in the maintenance of Suning’s willful payment lending channel. Generally speaking, if you are reminded that the loan channel is under maintenance for a long time, it means that you can no longer use Suning Pay. However, with the improvement of the borrower's comprehensive credit and the change of Suning's discretionary loan policy, everyone still has the opportunity to use it again.