Why didn't you notice the reduction of Zhaolian Finance?

Why did the financial line of Zhaolian suddenly freeze?

The financial line of recruitment was suddenly frozen for the following reasons:

1. The user has a record of overdue repayment, and Zhaolian Finance thinks that the user's repayment ability is insufficient and the repayment intention is not strong, so the loan line is closed.

2. If the user account is in a risk control state, then Zhaolian Finance will not give the user a loan line.

3. The user's current debt ratio is too high. Zhaolian Finance thinks that the user can't repay the loan on time and refuses to give the user a loan line.

Zhilian's financial line was frozen, probably because it was not paid off in time, so if you want to restore the line, you should pay off the arrears quickly. After the arrears are paid off, the lines can generally be restored. If the line is not restored in time, you can try again after a while.

It may also be that the second evaluation does not meet the requirements. If the quota is frozen because the second evaluation does not meet the requirements, you must first improve your comprehensive credit score, such as supplementing information and increasing personal income, and then try to apply.

1. What kind of loan is Zhaolian Finance?

Zhaolian Finance is an Internet consumer finance loan. Zhaolian Finance mainly includes two brands, namely Zhaolian Good Term Loan and Zhaolian Credit Payment. Zhaolian Finance mainly adopts the credit payment method of first consumption and then payment. Its credit line application is for the whole bank, and the credit line can be recycled. The maximum credit limit that an individual can apply for is 200,000.

2. How long will it take to resume freezing the financial limit of Zhilian?

How long it takes to recover the financial line of Zhaolian after freezing depends on the reason for freezing.

1. If the borrower's line is frozen due to overdue repayment, the line can be unfrozen as long as the borrower pays off the arrears according to the requirements of Zhaolian Finance.

2. If the borrower has not unfrozen the line after paying off the debt, you can call customer service to unfreeze it.

3. If the borrower can't meet the conditions for using Zhaolian Finance and the credit score is too low, the borrower needs to improve his credit score, and those who meet the conditions can be unfrozen.

3. What if the recruitment quota is frozen?

1. overdue repayment is frozen:

First of all, we should pay off the arrears in time, and then call customer service in time to explain that the individual is maliciously overdue and request to unfreeze again.

2. The evaluation does not meet the requirements:

If it is frozen for this reason, first improve your comprehensive credit score, such as supplementary information, accumulate loan records through other channels, and increase personal income. Generally, you can check it again after three months to see if it is thawed.

It's been a week since Zhilian Finance was unfrozen, and there is no SMS notification.

This may be due to the following conditions:

1, SMS storage is full. The short message storage capacity of mobile phone is limited. If you don't clear the received SMS in time, you won't receive the follow-up SMS. It is recommended to delete the message and try again.

2. If your mobile phone is not turned on for a long time or in a place with poor signal for a long time, the short message sent to you will be invalid because it expires. Suggest to try another place; (The validity time of the verification string is: 2 minutes)

3. It is related to the local gateway. Due to the large number of local short messages in some time periods and the busy short message center, short messages may be affected, delayed or lost. I suggest you try again at another time later.

4. It is related to the SMS platform of the operator. There are individual failures (inconsistent orders)

I returned all the reasons for Zhaopin Finance's reduction on time.

The reason for the decrease of Zhaolian Finance may be that the platform has adjusted its policies and reduced the amount of all users. Zhaolian Financial APP is a financial application jointly created by China Merchants Bank and China Unicom. It is a licensed consumer financial institution of China Banking Regulatory Commission, providing cash loans and installment consumption services. Zhaolian Finance takes microfinance and new interconnection as its development concept. Under the background of Internet, it will learn new rules, find new partners, apply new technologies and explore new models.

First, the financial line of Zhaolian has declined.

Generally speaking, if the comprehensive situation of users is normal, the platform will not reduce the amount. If the platform policy is adjusted, not only the number of individual users will decrease, but basically all users will be possible. Because according to the latest, the personal credit limit is limited and must not exceed the maximum. In order to meet the regulatory requirements, it is normal for the platform to reduce the quota. In other words, as long as users maintain their personal credit and ensure the source of economic income, recruitment finance will not be reduced at will, so don't worry too much, as long as they continue to use it normally.

2. Zhaolian Consumer Finance Co., Ltd. was established with the approval of China Banking Regulatory Commission.

Founded by China Merchants Bank and China Unicom, two Fortune 500 companies, it is the first consumer finance company established under the framework of CEPA, with a registered capital of 3,868.96 million yuan. Zhaolian Finance has two major consumer financial product systems, namely "good loan" and "credit payment", providing users with universal consumer credit services with no guarantee and low interest. Zhaolian Finance has comprehensively covered shopping, tourism, education, decoration and many other consumer scenes, serving tens of millions of customers and covering a vast area of the country.

To sum up, Zhaolian Finance has been committed to providing inclusive finance services to the public. As a licensed consumer finance under China Merchants Bank and China Unicom, Zhaolian Finance adheres to the core concepts of accurate identification, accurate matching, accurate operation and exquisite experience, and continuously expands consumption.

My Zhaolian Finance often borrows money, why is it reduced?

Zhaolian Finance is a licensed consumer financial institution with credit loan products. Some users inquired that my Zhaolian Finance often borrowed money, why did it decrease? Then let's talk about this problem briefly, hoping to find it helpful after reading it.

My Zhaolian Finance often borrows money, why is it reduced?

Generally speaking, if the comprehensive situation of users is not abnormal, the platform will not reduce its quota. We can see if their work status is unstable or overdue in other places. These data may be learned, and the system will take measures for customers with declining credit after irregular evaluation.

Furthermore, if the platform policy is adjusted, it is not only possible for individual users to reduce the quota, but basically all users may. Because according to the policy, the personal credit limit is limited and cannot exceed the maximum value. In order to meet the regulatory requirements, it is normal for the platform to reduce the quota.

In other words, as long as users maintain their personal credit and ensure that there is a source of economic income, then Zhaolian Finance will not reduce the quota at will, so don't worry too much and continue to use it normally.

The above is the answer about "My Zhaolian Finance often borrows money, why is it reduced". Generally speaking, the downgrade of the platform is related to the change of users' comprehensive situation and policy adjustment, even for old customers, it is possible. It is not that frequent borrowing will not lower the rating, but it is better to continue to maintain personal credit and improve the comprehensive score.