Loan failure means that the loan is unsuccessful. If the loan fails this time, the lender will not issue the loan. After the loan fails, the user perfects himself according to the reasons for the loan failure, and then tries to borrow money. The reasons and solutions of loan failure are as follows.

1. Personal credit is bad. There is a bad credit record in the personal credit information system of the People's Bank of China, which is enough to affect the loan issuance. Borrowers need to go to the branches of China People's Bank or China People's Bank, print the personal credit report, and return the overdue debts shown in the personal credit report.

second, personal information does not meet the requirements. The borrower temporarily fails to meet the withdrawal policy or regulations of the loan product. Users need to provide true and effective personal information before trying to initiate a loan application.

3. the information or status of the bank card is abnormal. Users need to carefully check whether the bank card number, reserved mobile phone number and other information are correct, and then contact the manual customer service of the relevant bank to ask whether the bank status is normal. Bank card information is wrong and needs to be changed. If the bank status is abnormal, you need to go to the bank to handle related business (such as card replacement).

4. Missed the call or failed to answer the call as required. Some loan software will call a return call, and if the call is missed, the loan review will fail. During the call back, the staff will confirm the relevant information of the borrower. If the answer is wrong, the loan approval will fail. The borrower needs to re-initiate the loan. The difference between Wanka's audit failure and loan failure

The difference between Wanka's audit failure and loan failure is that the audit failure is usually incomplete information, and the loan failure is a problem with the bank card.

1. Approval failure: Wanka Loan has strict approval criteria, and it is comprehensively evaluated according to the information authorized by the applicant. If the audit fails, it means that your qualification has not reached Wanka's audit qualification. Failure to meet the qualification is related to many factors, such as imperfect and untrue information. If you find out the reasons, you can still apply again after a while.

2. Loan failure: After the loan of Jiufuwanka fails, the page will also display the cancellation of the order, which means that the user failed in the loan application. Because there are many reasons for loan failure, users need to solve the problem before applying for a loan again, and then apply for a loan after solving the problem, so the chances of successful loan will increase. Users can pass the audit every time, but the loan fails, so there is usually a problem with the collection bank card. If there is a problem with the collection bank card, the user can replace the bound bank card, so that the lending institution can lend normally.

3. When Wanka lends money, some users will receive a call from Wanka for a return visit. If the user refuses to answer or misses Wanka's return call, it will lead to Wanka's loan failure. Under normal circumstances, after the audit is successful, as long as Wanka's return call is answered in time, the loan will be released soon. If Wanka does not lend money for a long time, users need to contact Wanka's manual customer service to find out the reasons for not lending money for a long time and solve the problem through customer service. When users use the loan service provided by Wanka, they need to repay on time, and they must not be overdue. Because Wanka is connected to the personal credit information system of the People's Bank of China, if the user is overdue, the overdue record will be uploaded to the personal credit information system of the People's Bank of China by Wanka.

4. If the user has overdue records in the personal credit information system of the People's Bank of China, the user will be restricted from all high-consumption behaviors and cannot use the loan service and credit card service provided by the bank. Users will not be able to join large enterprises, and their children will not be able to attend high-cost private schools. After the Wanka audit is successful, the loan can be released. However, there will be many special situations in the actual lending, which are beyond human power, and users can only wait patiently. If the waiting time is too long, you can only contact Wanka's manual customer service to solve the problem.

If you apply for the loan line of Jiufuwanka, the loan may fail. There may be the following reasons:

1. The personal application information is missing or untrue, and the system verifies that there is a mismatch, so the loan fails;

2. When the lender further examines the applicant's credit standing, the assessment fails;

3. Personal credit information is bad, and there are bad behaviors such as overdue and malicious default;

4. The personal economic strength is insufficient, and the institution determines that it is unable to repay the loan;

5. Jiufuwanka system failure;

6. The risk control is strict, and the loan amount of the lending institution is insufficient. Borrowing money online, the bank card number I reserved is wrong. Will the failure of lending affect my credit information?

If you borrow money online, the reserved bank card is wrong, and the loan will not affect the credit investigation.

1. Generally, this situation will not be reported to the credit bureau or blacklisted. You don't have to bear the responsibility of repayment, interest or other expenses before you make the next payment. You can keep screenshots and vouchers of relevant materials.

2. To apply for a loan on the loan platform, the user needs to bind a bank card as a collection card and a repayment card. When the card is filled in incorrectly, it is generally unable to pass the examination. Or if the card is filled in incorrectly, but it passes the examination by chance, then the loan application is successful, and the system will lend money to the wrong bank card, which will cause losses to the user. After filling in the bank card, you will also need the bank to reserve the mobile phone number to provide the dynamic verification code. If the bank card number is wrong, you will naturally not receive the verification code. Therefore, in the step of binding the bank card, the user does not have to worry about filling in the wrong card number. You can't withdraw money without activating the bank card.

1. You need to activate it before you can withdraw money. In order to ensure the security of the bank card account, you need to activate it before you can withdraw money from the bank card, but it will not be affected to transfer money into it. Among them, the activated bank card can only be used after the cardholder goes to the bank counter to set the password with valid identity documents.

2. You can't withdraw cash when the bank card is not activated. If the bank card is not activated, there are no functions such as access and transfer, and money can't be deposited in the card or withdrawn.

behaviors that affect credit reporting: first, the credit card is overdue. If a credit card fails to repay three times in a row (or six times in two years) or fails to repay its overdraft, it will form a bad credit record, which obviously belongs to the situation of owing money and not paying it back. I believe everyone will be very alert to these problems. Second, providing guarantees for third parties may also form a bad record. Don't think that only your own loans overdue will have a bad record in your credit report. In fact, if you are a guarantor for someone else's loan, it may appear in your report if the borrower fails to repay the loan on time. Therefore, in addition to urging the parties to pay off the money as soon as possible, what you can do is to do preventive work in the future. The loan guarantor has a great responsibility, so be careful before signing. Third, the debt is too high. When the bank approves the loan, it will also check the borrower's debt. If the personal debt ratio is high and reaches more than 7% of personal income, the bank will question its repayment ability and it will be difficult to handle the loan. Fourth, there are too many credit inquiries. Personal credit information also includes inquiry records, and the inquiry frequency of credit information records will indeed become a reference index, which will serve as the basis for banks to judge whether to lend risks. Because the number of inquiries, which banks make inquiries, the purpose of inquiries, etc., all objectively reflect the credit level of customers. If there is only one loan in your name, but it is inquired by many banks, banks have reason to suspect that your solvency is not good and are regarded as risky customers.

bank card activation is a process in which a user can use a bank card only after he has obtained it and confirms that the user is the owner of the card. Generally, the activation of the savings card is only required for the agent card, and the savings card I handle does not need to be activated; Credit card activation is what cardholders need to do after receiving the card. The activation methods are as follows: First, counter activation: the cardholder carries the ID card and the newly-opened bank card and goes to the counter of the business outlet of the bank to request the staff to activate. Second, online activation: log on to the official website corresponding to the bank card and activate it according to the instructions. Third, telephone activation: dial the customer service number marked on the bank card, enter the bank card number, ID number and bank card validity period as prompted, and finally set the password until the system prompts for successful activation. There is an exception in withdrawing bank cards from a loan platform, which does not show that the account has been successfully received and whether the repayment bill will be collected later

. If the loan applied for on the loan platform is frozen and cannot be withdrawn for use, then the customer naturally does not need to repay. However, the loan platform will still collect it. The customer has not received the money to use, and naturally has no obligation to repay. You need to note that some loan platforms may still urge customers to repay their loans even though they know that the loan funds are frozen and cannot be withdrawn. In this case, customers can collect relevant evidence and report the platform to the Internet Finance Association or the local CBRC, so as to safeguard the legitimate rights and interests of individuals.

the bank card is abnormal in loan withdrawal, usually because the bank card is frozen when reporting the loss, the wrong password is locked, and the transaction is suspended. At this time, the user should contact the issuing bank and ask the bank to remove the abnormal state of the bank card. After the abnormal state of the bank card is removed, the user must re-apply for a loan. In addition, when the bank card is swiped offline, if it is demagnetized or the card is damaged, then there will also be a prompt that the bank card is in an abnormal state. If the loan fails, the lending institution will not re-lend. Therefore, even if the bank card withdrawn by the loan platform is abnormal, it will be called for debt in the later stage.

why don't you withdraw the money when the loan is granted?

it may be the wrong time to withdraw cash. One is that when withdrawing cash, the system is being maintained, such as updating and upgrading, etc., and it is necessary to wait until the system is stable before withdrawing cash normally. Generally, the system will notify in advance. One is that the amount of cash withdrawal is exhausted, which is influenced by the supervision. Coupled with the large-scale overdue outbreak in 22, many lending institutions have reduced the scale of lending, and only take out part of the amount of cash withdrawal every day. If you grab the amount, you can withdraw it successfully. If you don't grab the amount, you can't withdraw it naturally.

it is also possible that the comprehensive score is insufficient. At present, after many loan platforms submit information, the credit conditions of lenders are automatically approved by the system through big data. If the lenders are overdue, the debt ratio is too high, and multiple loans are made, personal qualifications will be affected, resulting in insufficient comprehensive scores.