Why is Le Fenyi not up to standard for the time being? See what the problem is.

Lefenyi is the characteristic installment credit card business of Agricultural Bank of China. Cardholders can apply to ABC for large consumption needs such as home improvement, tourism and education. However, not everyone can successfully apply for Lefenyi, and many people put forward that they do not meet the standards temporarily during the processing. So, why is Le Fenyi temporarily not up to standard? Let's have a look.

Why is Le Fenyi not up to standard for the time being?

There are many reference factors for a comprehensive evaluation of music. Therefore, it is not clear in one sentence to temporarily fail to meet the standards. It needs to be analyzed in combination with specific circumstances. You can find the reasons from these aspects:

1. Non-ABC target customers: At this stage, ABC should adopt the invitation system and conduct preliminary screening. Eligible customers will be invited by SMS or telephone. People who have not received the invitation are not ABC's target customers and cannot be handled.

2. Credit information does not meet the requirements: good credit information is one of the prerequisites for handling the music sharing. The Agricultural Bank of China will evaluate the applicant's personal credit status. If the credit information is overdue for three consecutive times or six times in total, and the current period is overdue, it will not be processed. In addition, there are too many hard inquiry records of credit information, which also has certain influence.

3. Repayment ability is not up to standard: If the applicant's debt is high or there is no stable work income, resulting in a serious shortage of repayment ability, it is difficult to pass the review of Lefenyi. It is suggested that the personal debt ratio should be reduced as much as possible under the condition of stable work, and the application rate of Lefenyi will be higher.

The above is the introduction of "Why Le Fenyi is not up to standard for the time being", and I hope it will help everyone.