Why can't Suning borrow a line of willful loans?

Operating environment: Apple 12, ios 14, Alipay version 10.2.3.

When you have a discretionary loan amount, click "I want to borrow money" and fill in the loan amount, number of installments and purpose, and you can borrow money. If the willful loan shows "I want to open", it means that the willful loan has not obtained the credit line and needs to apply for opening. After applying for a loan with a willful loan, under normal circumstances, the money will arrive at the designated bank card within half an hour. If the loan fails, a text message will be sent to remind you. If the SMS prompts that "the application conditions are not met temporarily" or "the comprehensive score is insufficient", it means that the current loan review has not passed; If the SMS prompts "Lending failed", you need to check whether the status of the designated lending bank card is normal, or change the bank card and try lending again.

To sum up, Suning Finance can't borrow money if it has a quota. First of all, we must confirm whether the quota has been opened. After confirming that it has been opened, I will borrow money and the loan result will be sent by SMS. Under normal circumstances, you can receive the payment in half an hour. If you don't receive it, there will be a SMS reminder. The general reason is that the loan is not approved or the status of the lending bank card is abnormal. Please follow the SMS feedback. If you have not received the SMS notification, please give feedback to Suning Financial Customer Service.

Also need to pay attention to the following points:

I. Credit investigation

Suning Finance is a regular licensed consumption platform, so according to the regulations of CBRC, you will definitely check the credit information. If there is something wrong with your credit information, it is easy to be rejected. Judging from the situation, Suning's audit is strict and only suitable for users with good personal credit information. Loan users should not send avatars, but add a query record in vain.

Second, account activities.

Suning's registration time, consumption situation, whether it has started voluntary payment and whether it has invested in other financial products will all affect the opening of voluntary loans. In short, old customers and high-quality customers will always be the first choice for credit products. If you register Suning Finance for the first time, you may be rejected.

Third, institutional issues.

Suning Financial often upgrades its products, so in the case of system upgrade, there are no audit results and errors. At this time, you can apply again after a while.

Fourth, transaction risk.

At present, all financial platforms adopt systematic evaluation. If you detect that your account is risky, such as being stolen, you don't use it in common places, just change your mobile phone and login device. , your quota may be temporarily frozen. Besides, have you withdrawn any cash before? Once it is controlled by the wind, it can't be lent for a long time.