Gome e-Card loan audit is always the reason for failure.
1, bad credit information.
If you want to apply for Gome Easy Card loan, you need to authorize Gome to inquire about credit information. As a credit loan product, Gome E-Card has high requirements for the credit information of loan applicants, which requires good credit information and cannot have bad credit records. Some applicants may have overdue records of previous loans or credit cards, and even if they repeatedly submit loan applications, they cannot successfully lend money.
2, the age does not meet the requirements
Gome's electronic card application requirement is 18 years old or above, and the official has not specified the maximum application age. However, according to relevant data, it is difficult for those over 45 to apply successfully. If the age does not match, it is impossible to pass the exam.
3. The applicant's repayment ability is poor.
The repayment ability is determined by two factors, one is the source of income of the applicant, and the other is the debt ratio of the applicant. The income is too low, there is no debt, the repayment ability is not good, and the income is high, but there are many debts, and the repayment ability is also discounted. Only by meeting the income requirements of Gome Easy Card can it pass the audit.
If you want to successfully apply for a loan from Gome Easy Card, you need a high comprehensive score and do well in all aspects. You can spend more in Gome, prove your spending power, and use Gome Finance to handle related wealth management business, showing that you have certain assets and good repayment ability. Usually use a loan or credit card, but you should also repay it on time and not overdue.
If Gome's E-card loan audit always fails, I suggest you improve your comprehensive score and try again after three months. Don't submit your application repeatedly if you fail, which will affect your credit information and make it more difficult to succeed.