The failure of the user to apply for a credit card loan may be caused by one or more of the following reasons:

1) The mobile phone number is not the person’s or the mobile phone number has not been authenticated;

3) The basic information is inconsistent with the facts;

4) The system's comprehensive score is insufficient.

If the user fails to apply for a provident fund loan, the personal information verification may not pass due to one or more of the following reasons:

a. The income does not meet the requirements and the monthly provident fund payment is insufficient;

b. The industry or position does not meet the loan requirements;

c. The repayment ability is insufficient and the debt ratio is too high;

d. Work and income Insufficient stability