How long will Ctrip's financial line be locked?

It can be unlocked after reapplying for the quota. Due to the change of user's credit qualification conditions, users can't get loans through this quota, and Ctrip Finance has locked in the loan quota. In this case, the user must reapply for the loan limit. After the system is approved, the system will give a new loan amount. Of course, it is not excluded that the user has overdue repayment before.

If the system locks the quota, it means that the system will not provide loan services to users temporarily. In addition, when the user's loan is not approved, the loan funds cannot be obtained, even if there is a credit line, because the credit line does not mean that the last line has not applied for any loan credit business for at least 2 months, because no matter whether it is successful or not, the credit inquiry will leave a hard inquiry record.

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1. Otherwise, if you apply for borrowing flowers again, you may get stuck if you see more query records within 2 months. It is relatively simple to maintain credit by handling credit business, that is to say, if you have a credit card, you have to swipe some points every month. The key is to repay the loan on time and standardize the use of credit cards. Put an end to abnormal transactions and increase the number of credit inquiries. If you have a loan, it won't expire. In fact, if you have a quota, you can't borrow money, which is normal. After all, borrowing requires a comprehensive evaluation of the user's credit status. The evaluation requirements are more stringent than when granting credit. You will check the credit survey to understand the credit and liabilities of users. Generally speaking, people with good credit, less debt and strong repayment ability are more likely to borrow money. From the feedback of many users, most people are trapped in the inability to borrow a certain amount of credit information.

2. For example, some people have not paid their debts before borrowing, or have been in debt for three or six times in the last two years. These are all objects that must be rejected. In addition, although there are no overdue records, it is impossible to query the records in the past two months more than six times. Ctrip's loan amount is evaluated irregularly by the system, and will change with the change of the borrower's credit status and account status. For example, if the credit conditions continue to improve, the account activity is high and the credit score is improved, the loan amount may increase. On the contrary, the loan amount may be locked, and it is necessary to reapply for the loan amount. Therefore, if you lock in and reapply for the loan amount, you can find the reason from the user's credit status and the user's account status.

3. User's credit status: Usually the most obvious change is that the credit is not as good as before, which affects the repayment ability. You can check whether the credit information has expired or there are too many inquiry records; Then judge the personal debt ratio from the debt situation shown in the credit report, maintain a good credit, reduce the debt ratio as much as possible, and the probability of reapplying for the quota will be higher. Current status of the account: if the activity of the account is very low, the account has been borrowed for a long time, or Ctrip illegally handles loans, overdue loans or other credit products, such as paying flowers and not repaying on time, etc., resulting in a decline in the comprehensive score of the account and failing to meet the evaluation standard of the loan amount.