1. The credit conditions of customers are average, because the interest rates of many consumer credit loans are determined according to the evaluation results of customers' comprehensive qualifications. Therefore, if the customer's qualifications are average, it is naturally impossible to get a very low interest rate.
2. There is something wrong with the second enjoyment today. If there is a problem with the institution and platform where the customer handles the loan, it is likely to charge a high penalty interest in violation of regulations.