What is the reason for the failure of the Agricultural Bank of China's Le Fenyi audit?

Agricultural Bank of China also has many installment loan businesses, most of which can meet the needs of users well, and Agricultural Bank of China is one of them. Although ABC's credit card holders will be restricted by Lefenyi's application for SMS, not all credit card holders can pass the examination. Then, what is the reason for the failure of ABC's music score review?

What is the reason for the failure of the Agricultural Bank of China's Le Fenyi audit?

1 Bad personal credit information and too many overdue records:

The most important thing to apply for a loan is that the applicant's personal credit information meets the requirements of the bank and there are not many overdue records. The bank will check the credit report when applying for a music installment credit card. If the credit report is overdue within three months, or even three times in the past two years, the probability of ABC music audit failing is relatively high.

2 personal debt is too high, repayment ability is worrying:

The applicant's debt situation is also a reference factor affecting the comprehensive score, such as loans, credit cards, etc. Too much debt means that the repayment ability is not strong, and there will be serious overdue risks. Generally, the approval of the Agricultural Bank of China is not approved.

3. Multi-platform loan and multi-credit:

If you apply for ABC, ABC will also check the credit status of the applicant's credit card. If more than five financial institutions or banks give credit, it may not pass.

Generally speaking, if you want to apply for ABC's Lefenyi, you must first sort out the above three situations and check whether it meets the conditions for ABC's Lefenyi. At the same time, we must try our best to reduce our debt ratio before dealing with it.