The application materials are not up to standard.
To apply for a flash card loan, the borrower must have a credit card and a certain use record. If your credit card is not in your own name, it is not officially activated or has almost no credit card record, then it is normal to be rejected by a flash card loan. When applying for a loan, you must choose a credit card commonly used in your name.
Bad credit report
Since flash card loans require everyone to bind a credit card, you will know something about your credit information. If you have a lot of credit card overdue repayment records and credit card violations tx,
Records, loans overdue repayment records, etc. Then the loan will be rejected because of poor credit information. For friends with poor credit information, you can wait for more than 3 months before applying.
be overage
In flash card loans, people who are too old can't apply, and borrowers can't be over 50 years old. For over-age friends, you can only give up the flash card loan.
I applied for a flash card loan on September 22, and it has not been approved yet. Did you apply at the same time? What's going on now?
1. Flash card loans are strictly reviewed and their own risks are minimized. If they don't meet certain requirements, there is no way to pass the audit. How long does it take to review the flash card loan? Submit the loan application, the risk control system will conduct the preliminary examination (within 5 minutes), the approver will call to verify his identity (within 24 hours on weekdays), and the final approval will be notified by SMS (within 5 minutes). The normal review period is 1-3 working days. If there are holidays or activities, the audit progress may be delayed. Please understand and wait patiently. The approver will evaluate whether it is necessary to contact again according to the comprehensive situation. Please pay attention to the telephone call or audit results later.
2. The normal review time of flash card loans is 1-3 working days, and the review results will be sent to the applicant's mobile phone by SMS or notified in the APP. Please note that if it has not been updated for a long time, please contact customer service in time, enter the official WeChat service number of Flash Card Loan-Xiaoxiao Online Point, and click "User Center" and "Manual Customer Service" for online consultation.
Why is the review time of flash card loans so long?
It takes a long time to review the flash card loan, because the user's personal data is incomplete or there is false information, and the user authentication project is less completed. Because the flash card loan obtains less user information, it prolongs the user's audit time.
Because the flash card loan will bear the risk that the funds cannot be recovered, if the user fills in incomplete personal information or contains false information, the flash card loan will extend the review time to judge whether to lend money to the user.
In addition, users have completed fewer authentication projects, and less user information has been obtained by flash card loans. If the user not only fills in incomplete and false personal information, but also fails to complete various certifications in the flash card loan, the flash card loan will refuse the user's loan application by extending the review time.
If the user's own information is complete and true, and more authentication items have been completed, it will take a long time to review the flash card loan. Therefore, users need to choose a credit card with higher frequency when conducting credit card authentication, which will help speed up the review of the flash card loan.
If the self-information filled in by the user is complete and true, and all the authentication items have been completed, then the review time of the flash card loan is still very long, and the user needs to contact the official customer service of the flash card loan in time to solve the problem.