1. Bad credit card use behaviors, such as overdue and cashing, have affected personal credit;
2. The number of credit card holders or banks under the personal name is above 10, and the personal overdraft credit is too high;
3. Personal credit card debt ratio is too high, and repayment ability is weakened.
In addition, students should know that the quick loan review of CCB is more rigorous. Personal credit information, economic level and financial resources will all affect loan approval. If you want to successfully apply for quick loan from CCB, you must optimize your credit conditions.
The borrower's own problems
Generally speaking, pure credit loan products such as CCB Express Loan will evaluate the latest credit of the borrower before lending, and then decide whether to lend according to the latest evaluation results. Therefore, most people can't apply for quick loans at CCB because their latest credit score results don't meet the requirements for lending.
In addition, it should be noted that after you apply for quick loan from CCB, you should find out the reasons for rejection, such as your recent performance, whether you have had loans overdue in a financial institution, overdue credit card, etc.
In a few cases, CCB failed to apply for a fast loan line due to system maintenance or related software problems. Generally speaking, this situation will soon return to normal.