Are you asking the reason why the e-loan text message has been accepted but there is no loan? Is it a bank card problem or a personal credit problem?

Bank card problem: If the filled bank card has been frozen, expired, or there are other problems that make it impossible to collect money, then E-loan will not be successful.

Bad personal credit: E-loan is an installment loan provided by China Merchants Bank for credit card holders. If the cardholder has a bad credit record, even if the application is accepted, the loan may not be successful.