As a mobile phone loan software, Xiaoyin Card Loan has solved the economic problems of many users and is highly sought after by everyone. However, according to the information provided by everyone, many small partners have investigated and sorted out the problem that their application for a small silver card loan was rejected. Let's take a look at the reasons why the application for a small silver card loan failed.
1, the comprehensive score is insufficient.
Xiaoying Card Loan will be evaluated and reviewed according to the personal information submitted by the applicant. If the personal credit is bad or the debt is too much and the comprehensive score is insufficient, it is difficult to pass the application.
2. Not in an open city
It is understood that Xiaoying Card Loan has not been opened in Xinjiang, Tibet, Inner Mongolia, Ningxia and Qinghai. If the applicant is not in the Xiaoying Card Loan Open Area, it will be difficult to pass.
3. Bad credit report
A small winning card requires the user to authorize the applicant's credit card and credit information. If there is a bad record in the credit investigation, the application will be difficult to pass.
4. Personal information is incorrect
The whole process of Xiaoying credit card loan is operated online without submitting any paper materials, which is convenient for users, but it also brings some financial security problems. Therefore, the personal information submitted by users is an important factor in the review of Xiaoying credit card loans. If personal information is wrong, it will be considered untrue by the system and it will be difficult to pass the audit.
Therefore, everyone must be careful when filling in personal data to avoid typos and other situations that affect the application.
Generally speaking, there are several reasons for the failure to apply for a small win card loan. You can compare them according to your actual situation. I hope the summary can bring some help.
How long does it take for the credit card agent to review the credit card loan? Review the list of steps!
What happens when you win a small card loan? Know the consequences and want to pay back!
How long can I apply for a small win card loan after being rejected? It depends!
How long does it take to get a loan with Xiaoying Card? It is normal within 72 hours!
Xiaoying credit card loan has passed the examination, but it has been supporting funds.
1. The approval of Xiaoying Card Loan shows that the funds match because Xiaoying Card Loan is only the loan applicant and the lender is a number of lenders that cooperate with it. The approval of the loan is only a preliminary review of the platform, and the loan can only be obtained after the subsequent review by the employer. Therefore, when the total progress shows that the funds match, it does not mean that the loan can be successfully released, but it is only the second step of the audit.
2. This kind of matching management can't speed up the pace. Sometimes the fund matching fails, which means that the loan application is rejected and the user needs to resubmit the loan application. Even if it passes the system audit, as long as there is a hint of fund matching failure, then the user will not get the loan funds.
1. Is the matching of small win card loan funds stable? You know, as long as the funds are not in place, any audit matching is a cloud, even if it shows that the loan is in progress, it may fail, so the fund matching is even more unstable.
2. The operating company of Xiaoying Card Loan is Shenzhen Yingzhongtong Financial Information Service Co., Ltd., which was established on 20 16. Xiaoying credit card loans are mainly open to credit card people aged 20 to 55, mainly young people under 35, and provide them with credit card consumption installment services.
3. The reasons for the failure of fund matching are probably: system problems, the system is being maintained and upgraded, and it is temporarily impossible to review the matching funds; Too many applicants, resulting in the platform system can not be audited; At present, the platform loan funds are tight, and the loan may not be available for the time being.
4. After matching the employer, a second round of review will be conducted, and it may be rejected during the review process, that is, the second trial failed or the employer failed the review; After the management has approved it, it can enter the lending stage. Don't think that this time is stable, and there is still the possibility of loan failure.
5. Remind everyone that the longest use time of the small win card loan is about three days, and most people can get the loan on the same day after passing. Therefore, for users who match for more than 3 days, there is basically a high probability of being rejected. In addition, the time for lending is basically during working hours, so everyone should pay attention.
6. In fact, according to the feedback from users, the pass rate of small win card loans is still very high. In addition, people with good personal qualifications and no bad repayment records and credit information are easier to borrow on major online lending platforms, and the next payment is faster.
How long can I apply for a small win card loan after being rejected? It depends!
Now platforms like Xiaoying Card Loan are quite popular, and a large number of users will apply. Many friends were directly refused loans when they applied, so they came to consult how long it took for Xiaoying Card to be rejected before they could reapply. Here, I will analyze this matter for you.
There are many reasons why applying for a small win card loan is rejected, some of which are relatively easy to solve, while others are more troublesome to solve. Details are as follows:
The application materials are incorrect.
If you apply for a small win card loan, and the application materials provided are wrong, which leads to the rejection of the application, then you can re-apply after rechecking and correcting the application materials.
Age mismatch
If everyone's application for a small win card loan is rejected because 18 is under the age of 8, they cannot apply in a short time. You need to wait until 18 years old and formally join the work before you can apply for a small win card loan.
Bad credit report
Xiaoying Credit Card will definitely know the borrower's credit information in detail before lending. For people with poor credit information, they are often refused loans directly. Generally speaking, it takes more than 3 months to apply for a small win card loan.
Insufficient repayment ability
A friend's application for a small win card loan was rejected because of his insufficient repayment ability. There are many reasons for the lack of repayment ability, such as low income and a substantial increase in liabilities. For those who are unable to apply for a small win-win card loan due to insufficient repayment ability, they need to wait until their income increases substantially or their debts drop substantially before applying for a small win-win card loan.
Above, we have analyzed how long it will take us to apply for a small win card loan if it is rejected. Generally speaking, the reasons for rejection are different, and the waiting time is different.