The possible reason is that there has been a problem with your personal credit report recently. It is recommended that you consume rationally and repay your loans on time.

The main factors that may affect personal credit risk scores are: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and repayment amount, or there are too many loan accounts and credit cards, etc.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law. As of 2015, the database included a total of 870 million natural persons, of which 370 million had credit records. In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.

At present, the personal credit reporting business has further expanded to foreign banks and non-banking areas, and has cooperated with pawn, guarantee, leasing and other institutions, entering a new stage of development. The enterprise credit system collects various commercial credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, state-owned assets performance evaluation information, import and export declaration records, credit financing records and industry statistical analysis information, etc. .