1. There is something wrong with personal credit. Huayuan is fully docking credit information. If users want to obtain Huayuan's credit line, they must have good credit qualification. Therefore, Huayuan shows that it is temporarily unable to provide services, which may be due to a problem with credit reporting. If there is a stain on the credit report, the flowers will freeze, and there is no good solution. Users can wait for the credit repair, which takes a long time.
2. The identity information has expired. Users need to upload their identity information on Alipay before using the flower buds. If the identity information uploaded by the user expires, the flower garden quota will not be used smoothly. At this time, it is relatively easy to solve. Users can apply for a new ID card, which can be unfrozen by resubmitting the authentication.
3. The age does not meet the requirements. If you want to use flower buds, users need to be 18 years old or older. If you are a minor user, you can't use the flower bud credit line according to the regulations. Users can wait patiently for adulthood, and then try to open the flower garden quota when they have full civil capacity and sufficient repayment ability.
4. No repayment ability. If you use the flowers, you must repay them in full and on time. As a credit product, flower buds naturally have certain requirements for users' income and must have sufficient repayment ability. Therefore, users can improve their repayment ability by raising their income level, while reducing the debt ratio and controlling the debt pressure, so that their repayment ability can be guaranteed.
5. The account number is abnormal. If the user's account has obvious abnormal login behavior, these will trigger the system's risk control measures, and the platform will think that the account is at risk of being stolen, thus refusing to issue a loan line for the user. At this time, users need to improve their account information, upload more authentication information, modify their personal passwords, and avoid logging in to accounts on strange devices.
These are the solutions that Bai Hua cannot provide services for the time being. Users can take corresponding measures to solve the problem according to their actual situation, so as to successfully apply for loans.