1, personal credit is bad. Lending treasure is a credit loan product. When users apply for opening loan products, they need to authorize the loan platform to inquire about users' credit reports. The loan platform will refer to the user's credit status to decide whether to open a loan account. If the user has bad credit, such as serious credit card overdraft and loans overdue, the debit card cannot be reopened.
2. The debt ratio is too high. If the user borrows from multiple sources, and the credit account under his name has a high debt ratio and a large amount of debt, the platform will think that the user is under great repayment pressure at present. Without sufficient proof of assets, the platform may question the financial strength of users and worry that they will not be able to repay in full and on time. At this time, users are not allowed to open loans again.
3. Illegal use of Alipay credit products. If the user has illegally used the loan of Huabai, and the time happened recently, at this time, the user is still under the risk control of the platform, and it is also very difficult to successfully open the loan product. It is suggested that users can wait for a period of time before resubmitting the application, and the success rate will be improved.
4. Alipay account is not active enough. If the user does not use Alipay account for a long time, it will make the platform think that the current value of the user is not high, resulting in the failure to successfully open a loan. Therefore, before opening the loan product, users need to ensure the activity of Alipay account and try to use Alipay in many scenes in life to facilitate the reopening of the loan product.
5. There is something wrong with the loan information. When the user applies for reopening the borrowed goods, the platform will re-examine the user's information. If the information filled in by the user has expired or is false, it will be difficult for the user to reopen the loan as long as it is discovered by the platform. Therefore, users are advised to carefully check personal information, update invalid information, fill in missing information and ensure the authenticity and integrity of information before opening a loan account.
There are several reasons why the loan cannot be successfully opened. Therefore, users should pay attention to avoid these situations when using credit products to ensure the continuous use of loan products.