There are many reasons for the failure of the application, including: 1, and the borrower's central bank credit report has a bad record, because the mortgage is overdue, the credit card is overdue, and the social public behavior is bad.
2. When shopping in JD.COM Mall, it was recognized as abnormal behavior by the system because of frequent returns.
3. In JD.COM Mall, I have been complained by merchants for many times, belonging to users with bad consumption behavior.
4. The current income is unstable or the amount of liabilities is too high, resulting in poor repayment ability.