As a familiar loan product, micro-credit is used by many people. Some users have asked why the amount of micro-loans has not increased after repayment. Then let's talk about this problem briefly, hoping to find it helpful after reading it.
Why didn't the amount of small loans increase after repayment?
As a credit loan product, under normal circumstances, after the user pays off all the loans, the micro-loan amount will be restored and can continue to be used, but the amount will only be restored and will not be directly increased. There is no direct relationship between repayment and withdrawal.
Users want to increase the amount of micro-credit loans, and the most important thing is to improve their qualifications, credit and comprehensive scores. Although timely repayment is helpful to the evaluation, it is not absolute, and it is not possible to apply for manual adjustment of the amount for the time being.
In addition, some users will also encounter the situation that the amount cannot be recovered after repayment. You can see if there is any change in the current comprehensive credit information, such as overdue credit information.
Micro-credit is the lowest in 500 yuan and the highest in 40,000, which is an integer multiple of 100. The outstanding debt of a single channel user cannot exceed 20, and WeChat and QQ are the same, and only 20 can be borrowed at most.
The above is about "Why didn't the amount increase after the micro-loan repayment?" Generally speaking, if you want to increase the amount of micro-credit loans, you need to pass the comprehensive evaluation of the platform system, and you can only increase the amount after repayment. There is no direct relationship between the two. It is suggested that users continue to maintain a good reputation and wait patiently for platform evaluation, and there is still a chance.
Why is the loan amount of microfinance reduced? How can we increase the quota?
Some regular online lending platforms have successively launched some reliable loan products, and Tencent platform is no exception. Tencent Weizhong Bank has launched loan products for Tencent users, and micro-loan can provide consumer loan services for Tencent users. Users will encounter some problems in the use process. Why is the loan amount of microfinance reduced? How can we increase the quota?
Why did the loan amount decrease?
1. Because the micro-loan opened by WeChat users is not long and has not been used for a long time, the loan amount of the platform is reduced. I suggest that if you don't use this credit platform, you can give it to some users in need.
2. Micro-loans provide users with better personal credit with higher credit lines, but these users have sufficient funds and few times of use, so these platforms directly reduce the credit lines of users.
3. Borrowing users are overdue in the process of using micro loans. Overdue is a very serious breach of trust, and the platform will not only reduce the user's loan amount.
4. The information such as mobile phone number and bank card bound by WeChat users often changes, so the platform will reduce the user's loan amount.
How can we increase the loan amount?
1. Tencent users should all spend money on Tencent platform. For example, WeChat users can send multiple red envelopes on the WeChat platform or recharge their mobile phones. The more times you spend, the higher the amount, which will help users increase the loan amount.
2. WeChat users can exchange more money on the WeChat platform, such as transferring money to friends or purchasing various wealth management products on the WeChat platform. After the flow of user transactions increases, the amount of loans provided by the platform to borrowers will also increase.
3. Make more use of the life payment and city function on WeChat platform, mainly to improve the cash flow of users. At present, many convenience services have been opened on the WeChat platform. Paying more with these services will help to increase the loan amount of users.
If users also encounter problems in the process of using micro-loans, they must find out the reasons for this situation in combination with their own actual situation and solve these problems as soon as possible, so as to help them increase the loan amount and solve the problem of low loan amount.
How to increase the amount of small loans
1. Be sure to maintain your credit record. Micro-loan is a personal consumption loan under Weizhong Bank, which belongs to bank loan. It is very important for the borrower's credit information. If you want to increase the amount of small loans, you must maintain a good personal credit record. After borrowing money from WeChat or other platforms, you must repay it on time. If there is overdue behavior, not only can it not be withdrawn, but the micro-credit line is likely to be reduced or even cancelled.
2. Use the functions in WeChat more. Online and offline consumption can be paid by WeChat. Pay more money, and WeChat may analyze your demand for funds from your consumption behavior. In addition, you can also use WeChat to pay for living expenses, such as water and electricity, so that WeChat knows that you have a stable address and will trust you more. You can also use WeChat to swipe your card, take a taxi, take out food, etc.
3. Save some money in WeChat. If you use WeChat frequently, you can save more money in WeChat, and QQ is the same, which can show that you have a fund savings and investment plan, and also let micro-loans know your asset strength.
4. Participate in Tencent public welfare. For example, the number of steps donated by sports and the small operations that can be realized every day can explain its credibility from another angle.
5. Open WeChat to talk about this old payment. Wechat payment score is a set of credit evaluation system launched by Tencent. Although it can't be used as a direct basis for the opening and withdrawal of microfinance, it can reflect Tencent's comprehensive evaluation score on your account credit. It should be helpful to the amount of small loans.
What's wrong with a small loan but it doesn't pass the loan review?
1. does not meet the approval requirements, and the comprehensive situation of users does not meet the loan requirements. Micro-loan audit will refer to the comprehensive situation of users. If the user's comprehensive situation does not meet the loan requirements, the user's audit will fail.
2. The user has a bad record and fails to repay the loan on time, which leads to the audit failure.
If you want to pass the audit of small loans, you must first ensure that the loan is repaid on time and there is no overdue situation. For those with overdue records, it is very likely that the audit will not pass.
3. The real-name authentication information is incorrect. If the personal information such as ID number and mobile phone number does not match the real situation when users apply for small loans, there may be information authentication errors in the real-name registration system.