There are many reasons why you cannot borrow money from lending platforms and credit cards. Credit loans are generally reviewed by credit software and given reference opinions before submitting to the next step of the approval process. Due to exposure to credit software, Let me briefly explain to you:

After the loan application is submitted, your information will be compared in the background. There are hundreds of comparison dimensions, and there are more than a dozen that will directly deny the loan. If you violate any of them will be directly rejected. We often encounter the following ones (the focus of each bank or online loan company may be different):

First, the information is false, such as the mobile phone number is not a real name, the identity is not The ID number has been blocked, etc. These things will not be listed in the credit report, but they will be rejected immediately.

Second, if there are too many credit cards, the card will be rejected instantly. It is recommended to cancel credit cards that are infrequently used or have low limits.

Third, if the credit limit that has been granted is too high and touches the total personal credit limit, the application will be rejected immediately.

Fourth, if you have recently applied for an online loan, your application will be rejected immediately regardless of whether it is successful or not.

Fifth, I applied for a credit card from the same bank within six months and was rejected immediately.

Sixth, if you apply for a credit card frequently within half a year, you will be rejected immediately.

Seventh, if there is court execution information, including guarantee, even if you are not the direct executioner, your application will be rejected immediately.

Eighth, if you have a criminal record, you will be rejected immediately.

Ninth, if you have engaged in underground financial work, such as credit card promotion and received complaints, etc., you will be rejected immediately.

Tenth, being blacklisted by a certain bank, regardless of whether the application is for that bank’s credit card, the application will be rejected immediately.

Eleventh, if you have made large purchases recently, if the bank determines that the repayment capacity is exceeded, it will be rejected immediately.

Twelfth, if the credit card overdraft is too large, and the overdraft of each card under your name is more than 80, it may be rejected immediately.

Thirteenth, sudden suspension of payment of social security, medical insurance, etc. without reasonable reasons, immediate refusal.

There are many more. These are the common ones. You can compare them with your actual situation. I hope it can solve your problem. If you still have any questions, you can send a private message.

Credit is priceless, you must cherish it!

My credit has always been very good and there have been no defaults. Why can’t I borrow money from lending platforms and credit cards?

Whether it is Alipay’s Jiebei or Huabei, or some online loan platforms and credit card issuers, they are very welcoming to borrowers with good credit. Why? Because the interest rate is high, basically, among the lending institutions mentioned above, the one with the lowest credit card interest rate has an annualized rate of more than 8%. For example, if you borrow money from Alipay, the daily interest rate ranges from 15,000 to 60,000 yuan, but on average, many people The annual interest rate is about ten percent. With such a high interest rate, as a lending institution, you are afraid that you will borrow less. If you really have good credit, these platforms will definitely not reject you. Please don't doubt this.

Although the interest rate is high, if the borrower fails to repay the loan or defaults on a large scale, how can the lending institution make money? Therefore, when I invested in online loans a few years ago, I paid attention to the default rate and bad debt. Key indicators such as rate are of great concern.

In other words, the core of a lending institution is actually risk control. Therefore, if a borrower wants to borrow money, it must pass their risk control review. Why do some people think that their credit has always been very good, but when they really need to borrow money, the platform or the credit card issuer will not lend money to you? The key is that if you have not passed the platform's risk control review, you will naturally not meet the lending conditions.

First, there is a stain on credit. In other words, your credit record is not always as good as you think.

After we submit the application materials, the platform will generally conduct risk control review of the materials through system review and manual review.

During this process, the platform will review your credit situation based on the information you provide, access relevant records and data from cooperation with third-party credit agencies. Especially after the new version of the central bank's credit reporting system is launched, credit reporting records cover a longer period of time and have more content, so it is very likely that your "bad deeds" left over time will be recorded. And you may still be at a loss, so in this case, you can first check some personal credit records yourself so that you can make targeted improvements.

Second, there are doubts about the purpose of the loan. Nowadays, Internet technologies such as artificial intelligence, cloud computing, and big data are developing rapidly. The purpose of borrowing is actually easy to find out. When we submit a loan application to the platform, if we fill in false information, it is very likely to be analyzed by the other party. It is especially necessary for borrowers to provide the platform and credit card issuers with the true purpose of borrowing. If you cannot explain your true purpose for borrowing money, you may be denied a loan.

Third, the application information is incomplete or false. Maybe Alipay is a better platform in this regard. Before you apply for a loan, a lot of information has been obtained by the platform, and the platform will send you a loan invitation based on their judgment of your financial situation. But on some online loan platforms, if you want to borrow money, you need to submit relevant information. For example, the most basic ID card information, portrait authentication, contact information, work information, current residential address and other information, and even your address book have been obtained by the other party when you download the app. In the process, they We will complete the preliminary judgment of your information. If the borrower has some flaws in the process of providing these information, such as unclear ID card photo or mismatched residential address and house number, it may lead to failure in the review and failure to borrow the money. .

Fourth, borrowing is too frequent, even from multiple platforms. If there are no problems with our application information and credit record, but we borrow too frequently from multiple platforms, we will most likely be denied the loan. This is a typical long-term loan. For risk control, this is a high-risk group. In this case, the lending institution will naturally consider whether you have any problems.

Welcome to pay attention and communicate together.

Financial institutions’ judgment of personal credit and your own credit evaluation are completely different things. Financial institutions are based on big data of your various consumption, investment, income-earning and other behaviors. With the continuous development of financial technology, everything you say and do will become a stepping stone for your credit quality.

Some friends think that they have good credit and never default on private loans, which is true, but they just can’t borrow money from the bank. The reasons are:

1. You have a white account, that is, no relevant information about you can be found in financial institutions, and you have not dealt with the bank. The bank cannot track your financial data, and it cannot analyze and profile you, so it cannot determine your creditworthiness. , you are just a blank sheet of paper there! At this time, all you have to do is to deal with them. To establish credit, you must first establish a relationship, let the other party trust you, and make the other party think that they are profitable in you.

2. The overall score is too low, which means that even if you have relevant consumption, savings, investment and other records in financial institutions, and the credit report also shows that you have no overdue and other bad records, but because you There are potential risks such as your age, physical health, workplace, income, region, number of credit inquiries, and excessive proportion of other liabilities, which may make banks doubt your comprehensive evaluation. At this time, you still cannot obtain relevant financial platforms and institutions. any credit granted. Because the expectation of risk lies in how much future value you generate, if your future is deemed higher risk, the door to review will be closed. Each bank has its own risk assessment system, but the main weighting parameters will not change. Therefore, the way to solve this problem is to be able to provide supporting materials for the above parameters, or to work hard to solve the above problems when relevant proof cannot be provided. Improve and solve the problems one by one, which is commonly known as "raising credit".

The construction of a credit system is a science and a basic guarantee for the good operation of the social and economic system. With the continuous development of the Internet, more parameters for testing credit will be included in the credit system. In the future, credit will no longer be It is a single judgment of financial behavior, but uses personal social credit as the basis for evaluation. To put it simply: credit will accurately reflect what kind of person you are!

In fact, for lending platforms and credit card review, the review basically revolves around the borrower's repayment ability and willingness to repay. If you can't borrow money, you need to look at these two aspects to see which one has the problem. The willingness to repay is generally judged based on the past credit status of previous borrowers. There is no real evidence to support the will, so we can only use the credit status of past borrowers as a reference. If the borrower has a good repayment record in the past, without any defaults or overdue circumstances, and there are no black spots in the credit report, then when the borrower initiates a loan, the relevant institutions will have a good impression. In fact, this person always performs the repayment according to the agreement, has a good willingness to repay, and the repayment ability depends on the actual situation of the borrower. For example, the borrower's income level, consumption level, current debt situation, etc. Compared with the virtuality of repayment willingness, repayment ability is more objective. How much money you make is how much money you have, and how much debt you have. The borrowing platform or credit card will comprehensively judge whether the person has the ability to repay the loan. If there is, then the approval can be passed; if not, then the approval will naturally not be passed.

In summary, according to your statement, since there is no problem with credit, the most likely factor is the repayment ability. For example, if you are already carrying too much debt, or your income is relatively low, or you have not paid the five insurances and one fund normally, your income is unstable, etc., these are all reasons why the platform does not approve your application.

Credit is only an important factor in the review by the lending institution. In addition, there are many other factors that will also affect the success of your loan. Therefore, even if you have good credit, you may not be able to get a loan 100% of the time. Today, I will tell you in detail why you, who have good credit, have been unable to get a loan?

In daily life, lack of money is common. What should I do if I need money urgently? Borrow money, there are so many ways to borrow money now! But a friend complained to me that even his friends who were shady were able to get loans, and his credit was obviously very good, but he had prepared all the materials to apply for a loan, but he was still rejected. What was the reason? In fact, credit is only an important factor in the review by the lending institution. In addition, there are many other factors that will also affect the success of your loan. Therefore, even if you have good credit, you may not be able to get a loan 100% of the time. Today, I will tell you in detail why you, who have good credit, have been unable to get a loan?

1. Too old

Banks are relatively strict lending institutions. They stipulate that loan applicants must be between 18 and 65 years old. That is to say, in a legal sense, you can apply for a loan as long as you are over 18 years old and under 65 years old. But in fact, it is more difficult to apply for a loan from a bank, especially a mortgage, if you are over fifty. People aged 25 to 40 are the most favored group by banks. These people are in the golden age of life and have strong repayment ability. Although people over 50 years old can legally apply for loans, these people are generally not recognized by banks. Because being over 50 years old means that you will retire soon and your health will gradually develop problems. Therefore, banks consider this group of people to be risky and will not approve their loan applications.

2. Restrictions on the industry

Many friends have reported that they clearly earn a lot, but why are they still not recognized? That is probably limited by your profession. Occupation restrictions have nothing to do with how much money you make. Occupations such as stewardess and pilot are considered high-risk occupations by banks.

Although the job is stable and the income is considerable, lending institutions will believe that these occupations are too dangerous, the probability of accidents is high, and the risks are too high, so they are not confident in lending money to such people who are engaged in high-risk industries. In addition, there are many occupations that are restricted. For example, working in KTV, bars and other places will be judged as sensitive occupations by lending institutions, and working in public security, procuratorates and other places will be judged as cold occupations. Friends who are engaged in these occupations can apply. Loans will be subject to certain obstacles.

Another important point is that this is just what you think is a good credit record. Have you checked it, and have you checked on the right platform? This will all affect it

Teachers are an excellent profession. , generally a good loan. If you can't get the loan, there may be the following reasons:

1. The credit record is not good, but you said that your credit record is in good condition. It is recommended that you go to the local People's Bank of China or get one at the counter. A hard copy of your credit report to make sure you haven’t missed anything.

2. There are too many credit inquiries. Basically, bank apps, official accounts, and mini programs all have credit inquiry authorization functions, as does small loan APPs. You may accidentally check it many times. Each inquiry will have an inquiry record, which the bank can see. Each bank basically has requirements for the number of inquiries.

3. Big data is bad. There may be no problem with your credit report, but there may be problems with the data, you have had a loan lawsuit, a criminal offense, or there is an ongoing lawsuit (unclosed case) or your domicile is in Fujian or Yulin, all of which may result in the bank rejecting the loan. reason. It is recommended that you check several websites: Court Execution Network, Huifa.com, Qichacha, etc.

4Without assets, this possibility is small. Because as a teacher, it should be easy to apply for a credit card or a loan.

5 If you are older, it is really difficult to get a loan. Generally, it should not exceed 55.

In fact, for lending platforms and credit card review, the review basically revolves around the borrower's repayment ability and willingness to repay. If you can't borrow money, you need to look at these two aspects to see which one has the problem.

The willingness to repay is generally judged based on the past credit status of the borrower.

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There is no actual evidence to support the will, so we can only use the credit status of past borrowers as a reference. If the borrower has a good repayment record in the past, without any defaults or overdue circumstances, and there are no black spots in the credit report, then when the borrower initiates a loan, the relevant institutions will have a good impression.

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Make sure that this person actually follows the agreement every time and has a good willingness to repay.

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The ability to repay It depends on the actual situation of the borrower.

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For example, the borrower’s income level, consumption level, current debt situation, etc. Compared with the virtuality of repayment willingness, repayment ability is more objective. How much money you make is how much money you have, and how much debt you have.

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The borrowing platform or credit card will comprehensively judge whether the person has the ability to repay the loan. If there is, it will be approved; if not, it will naturally not be approved.

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In summary, according to your statement, since there is no problem with credit, the most likely factor is the repayment ability. For example, if you are already carrying too much debt, or your income is relatively low, or you have not paid the five insurances and one fund normally, your income is unstable, etc., these are all reasons why the platform does not approve your application.

There are so many defaults and overdue loans now, so banks have to be more careful. Banks are looking for borrowers with good qualifications. If the bank rejects you repeatedly, it means that it still doesn't trust you. Take action to let banks see your excellent qualifications, and they will naturally be forced to lend you money. For example, banks often call me and want to lend me money ranging from 70,000 to 150,000. But I have enough money of my own. Not really.

Therefore, it is most important to let the bank see your excellent qualifications.

Lending platforms and credit card borrowings are both credit loans. Whether credit can be approved is not only related to credit default, but also has a very important relationship with the following three conditions:

1. Liabilities. Credit loans generally have a credit limit limit for individuals. This credit limit includes credit card and other credit loan platform limits. If a certain limit is reached, it will be difficult to apply for a new loan. Or although the debt is not high, the loans are from small online loans. There is a saying: Once you get into online loans, the depth is as deep as the sea, and the bank will be a stranger from then on. In this case, it is naturally difficult to borrow money with a credit card, and lending platforms will be very cautious in lending.

2. Income situation. The opposite of debt is income. If your income is high and your job is stable, then the total credit limit will be high. For example, if your job income increases and has been maintained for a period of time, usually 6 months or more, you can apply for a new loan at this time. , it will be easier to get a loan. When applying for credit, banks and lending platforms place the most emphasis on the individual contribution amount to provident fund and the nature of the work unit. State-owned enterprises, foreign enterprises or Fortune 500 companies are the best.

3. Credit inquiry status. Although your loans are repaid on time and there are no defaults, if you apply for a large number of loans in a short period of time, resulting in too many credit inquiries, generally more than 4 inquiries in the last month, and more than 6 times in 2 months, the credit application will be approved. The probability of getting a loan will also be very low.

If your credit report is good, but your application for credit is rejected, it is usually due to the above three reasons. You can compare your own situation, make corresponding adjustments, and then apply for a loan after the situation improves.

Some borrowers left messages saying that they were unable to apply for a loan and wanted to know the secret to getting urgent money. If you want to know this, you must find out the review conditions of the lending institution and who it targets before applying. Some borrowers said that they have good borrowing ability and good personal credit, but why can't they apply for a loan?

Why can’t I borrow money if I have good credit?

It does not mean that you can borrow money if you have a good personal credit report, but a good personal credit report is one of the conditions for being able to apply for a loan. Of course, you may not be able to borrow money because of the following reasons:? The relationship between income and liabilities

Income and liabilities are more important conditions. If the borrower has a lower income, from the perspective of the lending institution, if you apply for a higher loan amount, it may be difficult to repay it. The risk of overdue payment is relatively high, so I am not willing to borrow money for you.

Although the amount of small-amount loans is low, you can easily be rejected if you have no income. Generally, small-amount loan products with higher amounts will often have strict qualifications of the borrowers, but for some For loan products that are easier to pass, the limit may be very low.

Here income should be considered together with liabilities. If you have more personal debts, even if you have a higher income, it will have a certain impact on loan applications. Some institutions often require borrowers to have no debts. In this case, income is two to three times the monthly payment, so borrowers below this number may have difficulty borrowing money.

Requirements for personal credit

This is relative to credit-white accounts. Although credit-white accounts have not borrowed money, for this type of people, they may have borrowed money before. They have never applied for a credit card, so their credit history is relatively empty. It may be difficult for this type of person to borrow money. For this type of people, bank credit managers will often recommend you to apply for a credit card to accumulate personal credit.

Of course, authenticating personal information is often critical. You must fill it in carefully and avoid mistakes. The more accurate it is, the more helpful it will be for the loan approval rate!

Lending institutions have tightened their lending standards

When funds are relatively scarce, some lending institutions may tighten their lending standards and reduce the number of borrowers to ensure that each loan The risk of borrowing is low, so in this case, some credit reports do not have much problem, and borrowers with relatively strong repayment ability may be rejected for borrowing.