Micro-loan is a well-known loan product, which is deeply loved by WeChat users. Since the launch of 20 15, microfinance has lent more than 3.7 trillion yuan, becoming an effective cash lending tool for users. However, some users have encountered some problems when using microfinance. One user said that the amount of small loans suddenly decreased, and other people's small loans were suddenly blocked. What is the reason? Let's analyze it for everyone.
Reasons for the sharp decrease in the amount of small loans
Judging from the current situation, there are three main reasons for the sharp decline in the amount of micro-credit loans:
1, overdue behavior
Microfinance attaches great importance to personal credit. Once there is overdue behavior, it is possible to reduce or close the quota. The overdue here refers not only to the overdue of micro-loans, but also to the overdue payment on WeChat or the use of credit functions in WeChat, such as riding without deposit, which may affect the quota.
Step 2 make friends carelessly
Many people may not know that careless making friends will also lead to a decline in the number of places. What are the specific circumstances? If your friend has an account that has been complained and reported many times, or you are dragged into an illegal group, it will affect the quota. In addition, if illegal remarks are made, it will also have a negative impact on the amount of micro-loans.
3. Decline in repayment ability
Although micro-loans mainly analyze users' credit status through their social data on WeChat, users' repayment ability, such as income and liabilities, is influential. For example, if the user loses his job, the provident fund is cut off, or he borrows money from other credit institutions many times, the system will also think that the repayment ability is not good. At present, micro-loans do not support manual forced opening. Don't believe this statement and don't download software of unknown origin. Borrowing to find formal big brands, such as Alipay's Lending Treasure and Xiaoman Finance's Money Flower (formerly Baidu Finance), are powerful and reliable lending platforms. (Click here to test the consumption amount for free)
Several effective methods to restore micro-credit
Users who open micro-loans hope to use them stably for a long time. Therefore, in the case of a sudden decline in the amount of microfinance, it is most important for them to quickly repair their use behavior. The following methods may be helpful.
1, pay off the debt.
If it is overdue, you should pay off the debt quickly, otherwise it will not only bring interest burden, but also have a more and more serious impact on personal credit. If you buy a house or a car in the future, you may be refused a loan by the bank.
Step 2 delete bad friends
For some unknown friends, I suggest you don't add them. One is to protect the privacy of your account, the other is to maintain a good social circle.
3. Improve the WeChat account information
First, check whether your real-name registration system certification has been completed. In addition, you can associate a credit card and use WeChat to return the credit card, which is conducive to the recovery of the quota.
4. Use the WeChat function more. Wechat payment can pay utilities, book movie tickets, tickets and so on. Everyone can use it more, which is convenient for themselves and can improve their credit performance.
5. Buy some WeChat wealth management products
When you have idle funds every day, you can participate in WeChat's change pass or wealth management pass, which is also a proof of repayment ability and can help you get some income.
Will the use of multiple credit cards affect the micro-credit limit?
Using multiple credit cards will not affect the micro-credit limit. As long as the user keeps the credit record of the credit card, the system will not reduce the micro-credit limit.
Why is the loan amount of microfinance reduced? How can we increase the quota?
Some regular online lending platforms have successively launched some reliable loan products, and Tencent platform is no exception. Tencent Weizhong Bank has launched loan products for Tencent users, and micro-loan can provide consumer loan services for Tencent users. Users will encounter some problems in the use process. Why is the loan amount of microfinance reduced? How can we increase the quota?
Why did the loan amount decrease?
1. Because the micro-loan opened by WeChat users is not long and has not been used for a long time, the loan amount of the platform is reduced. I suggest that if you don't use this credit platform, you can give it to some users in need.
2. Micro-loans provide users with better personal credit with higher credit lines, but these users have sufficient funds and few times of use, so these platforms directly reduce the credit lines of users.
3. Borrowing users are overdue in the process of using micro loans. Overdue is a very serious breach of trust, and the platform will not only reduce the user's loan amount.
4. The information such as mobile phone number and bank card bound by WeChat users often changes, so the platform will reduce the user's loan amount.
How can we increase the loan amount?
1. Tencent users should all spend money on Tencent platform. For example, WeChat users can send multiple red envelopes on the WeChat platform or recharge their mobile phones. The more times you spend, the higher the amount, which will help users increase the loan amount.
2. WeChat users can exchange more money on the WeChat platform, such as transferring money to friends or purchasing various wealth management products on the WeChat platform. After the flow of user transactions increases, the amount of loans provided by the platform to borrowers will also increase.
3. Make more use of the life payment and city function on WeChat platform, mainly to improve the cash flow of users. At present, many convenience services have been opened on the WeChat platform. Paying more with these services will help to increase the loan amount of users.
If users also encounter problems in the process of using micro-loans, they must find out the reasons for this situation in combination with their own actual situation and solve these problems as soon as possible, so as to help them increase the loan amount and solve the problem of low loan amount.
Will the reduction and exemption of credit cards twice this year affect micro-credit loans?
Credit card reduction twice this year will affect micro-loan borrowing.
Under normal circumstances, the reduction of the credit card limit will not have much impact on the loan, but if the reduction is large, it is not very big. If it is overdue for about 3 days, it will be reduced by the bank, and the amount of reduction is as small as 5,000 yuan. However, if the credit card limit is high, you can only enjoy the relief service if you repay it in time, otherwise it may be reduced and the credit card limit will continue to be adjusted.
If the credit card limit is reduced, it means that your credit card limit is reduced. If your credit card limit is reduced, you can keep the good habit of repaying with your card during the process of handling the card. After each repayment, the bank can restore your credit limit. On the contrary, the credit card limit is reduced, which means that your credit card limit is reduced, or your credit card is overdue, which will affect the loan application.