Reasons for the failure of Gome's e-Card loan
Gome's e-card audit is based on machine and manual audit mode, which can check the accuracy of information and personal credit. If personal information is incorrect or personal credit information has problems, it will be rejected. Manual audit is to audit the applicant's loan information and check the information. If the phone call is rejected, the loan will also be rejected.
Applicants can also find reasons from these aspects:
1, poor credit information. If you want to apply for Gome Easy Card loan, you need to authorize Gome to inquire about credit information. As a credit loan product, Gome E-Card has high requirements for the credit information of loan applicants, which requires good credit information and cannot have bad credit records. Some applicants may have overdue records of previous loans or credit cards, and even if they repeatedly submit loan applications, they cannot successfully lend money.
2. The age does not meet the requirements. Gome's electronic card application requirement is 18 years old or above, and the official has not specified the maximum application age. However, according to relevant data, it is difficult for those over 45 to apply successfully. If the age does not match, it is impossible to pass the exam.
3. The applicant's repayment ability is poor. The repayment ability is determined by two factors, one is the source of income of the applicant, and the other is the debt ratio of the applicant. The income is too low, there is no debt, the repayment ability is not good, and the income is high, but there are many debts, and the repayment ability is also discounted. Only by meeting the income requirements of Gome Easy Card can it pass the audit.
The failure of lending may also be caused by bank cards. If the bank card does not support Gome Easy Card, it will also be invalid. Therefore, we must find out the reasons for the failure of the loan in order to solve it. I hope the above content will be helpful to everyone.