What happened when ICBC refused to grant E a credit line?

If we often use ICBC's account, then careful friends may know that if we see a bank of ICBC's e-loan in our account, it means that we can apply for e-loan from ICBC. However, some friends are puzzled. Obviously there are places, but the application is rejected by the second. What's going on here?

If ICBC Rong E has a credit line, it means that you have the basic qualification to apply for a loan. At present, most online loans adopt two routines: information filling-credit line and cash withdrawal-review. Therefore, it doesn't mean anything to have a quota, and it is a real account only if the withdrawal is successful.

What's the matter with ICBC's refusal to lend to Bank E?

First, once you have a quota, you refuse to borrow it again.

If you have used e-loan and found that the re-loan audit failed, then think back and see if there are any irregularities in your operation, such as whether your personal credit has changed during this period, overdue repayment, frequent early repayment and so on. , will affect the credibility of the next loan.

Many borrowers have said that Rong e's loan is not overdue and has not been repaid on time, so why is it refused to borrow again? In fact, I may have applied for credit loans from other banks, which will also affect this audit. After all, I will go to the credit bureau. As long as I check, the assets and liabilities will be clear at a glance.

Second, ICBC's quota is insufficient.

Sometimes, it is not for personal reasons that the credit line cannot be withdrawn. It may be that the credit line of the industry and commerce itself is insufficient, which will cause most users to be unable to withdraw cash. In this case, no matter how good your personal qualifications and credit are, it is useless and impossible to recover them.

Third, there is a recent card withdrawal behavior.

Think back, have you cashed in or returned your credit card recently? This will affect your application for e-loan. Once these violations occur, they will be immediately pulled into the bank's grey list, and ICBC's e-loan quota will be cleared and no more loans can be made.

In short, there are many reasons why ICBC's e-loan line was rejected. Everyone's situation is different. You can compare it according to the above situation. If you really can't find it, you can call ICBC's manual customer service phone to ask why.