E-invitation is a large cash installment business provided by high-quality cardholders. Generally, you need to get credits before you can apply, but it doesn't mean that you can apply successfully if you have a quota. If the application fails, don't be discouraged, find out the reasons for rejection and prepare for the next application.

Analysis on the failure of China Merchants Bank's electronic loan application;

1, personal qualification

E-loan invitation is based on the cardholder's current credit status and credit card usage. If the cardholder's credit card is overdue in the process of applying for E-loan invitation, or the debt of the credit card is too high, such as frequent installment, the comprehensive score will be lowered, leading to the failure of E-loan invitation application.

2. Credit card status

E the loan application has requirements on the type and status of the credit card held by the applicant. Only ordinary credit card holders can apply, such as student card, platinum installment card, business card, official card, purchase card, ANA card or supplementary card. And the credit card is required to be in a normal state and cannot be controlled by the wind, restricted from trading, frozen, blocked, etc.

3. Repayment method

E. There are two repayment methods for inviting loans: equal installment and repayment by loan. Different ways have different requirements for the amount to be handled. For example, the minimum initial investment amount 1 1,000 yuan. The minimum minimum payment is 10000 yuan. Therefore, if the repayment method chosen does not match the amount applied for e-loan, it will also lead to failure.

4. Time of application

Generally, you can only apply for e-loan once a month. If you have applied this month, at least wait until next month. And each application needs to be re-evaluated, so the success of the loan depends on the evaluation results of the banking system.