1. Why is Xiaoying Card Loan not eligible to apply?

Xiaoying Card Loan is temporarily not eligible to apply, which means that the application qualifications are not met and the loan application conditions are not met. The application conditions for Xiaoying Card Loan are:

1. The applicant must be between the ages of 22 and 55;

2. The applicant must have at least one A credit card that is in normal use and has a good credit card repayment record;

3. The applicant needs to authorize Xiaoying Kadai to inquire about credit card bill records and credit records, etc.

2. What kind of credit card is needed to apply for a Xiaoying Card Loan

There is no restriction on the credit card issuing bank, as long as it is a credit card that has been used normally for more than 3 months and repaid on time.

1. Xiaoying Kadai is a mobile application that helps young users borrow money quickly, easily withdraw funds, and receive credit quickly. Among them, the "credit card reimbursement" product can quickly pay off credit card bills and restore credit. Quota, produced by Xiaoying Puhui Honor. Xiaoying Kadai relies on facial recognition, intelligent scanning and other technologies as well as big data risk control to create a mobile loan experience for users with “easy application, efficient approval, and fast loan disbursement”. In order to meet users' needs for checking and managing personal credit, the Xiaoying Kadai app is connected to the national credit reporting system - the People's Bank of China Credit Reporting Center (PBOC Credit Reporting Center), through which users can check personal credit reports for free at any time.

2. Xiaoying Kadai relies on Xiaoying Technology to match diversified funds, help applicants directly repay credit cards, and loan funds directly into the credit card. It can provide personalized application limits based on the user's credit status. services, the maximum amount can reach 50,000. Compared with other loan products, the advantage of Xiaoying Kadai is that the funds are directly transferred to the user's credit card, and the restored limit can be used in different scenarios such as purchasing digital products, traveling, and training.

3. The application process is also very simple. You only need to fill in your ID card and contact information to complete the application. Because Xiaoying Kadai is connected to a large amount of external data, it is very fast from submitting an application to making an approval decision. It only takes 3 minutes for approved users to obtain a loan. At the same time, Xiaoying Kadai provides the service of querying the simplified version of the credit report of the People's Bank of China. Users can conveniently and quickly check their credit report and keep track of their credit status at any time.

3. How long does it take for Xiaoying Card Loan to pass the fund matching

1. Generally, after passing the approval, the loan can be released on the same day. One of the rights is speed borrowing. Generally, speed users will have another right. At that time, everyone can apply for two at the same time. If a fast loan is rejected, the user can choose equity, which has a lower application threshold. It is worth noting that if the matching investor in the application has borrowed money before and it is overdue, it will be rejected. At this time, users can only wait until the sponsor is changed later and then apply again. Currently, the threshold for this product is not very high and it is a hit-and-miss category.

2. The reasons why Xiaoying Kadai keeps matching funds:

1. Xiaoying Kadai keeps showing matching funds, most likely because the user’s loan application review has not passed. Usually, it may be caused by insufficient credit in the personal comprehensive score.

2. Another possibility is that after the strict supervision of online loans, major lending platforms have strictly limited their loan quotas every day. It may be that Xiaoying Kadai’s short-term loan quota is insufficient in the matching funds. , requiring the user to wait patiently.

3. Xiaoying Loan has many lenders that cooperate with it. The approval of the loan review is only the preliminary review of the platform, and subsequent review by the employer is required before the loan can be obtained.

3. When the general progress shows that the funds are matching, it does not mean that the loan can be successfully disbursed, but it is only the second step of the review. Generally speaking, if a user whose funds are matched for more than 3 days is displayed, there is a high probability that the loan will be rejected. So if it keeps showing that funds have to wait, just cancel it. But continue to apply, because each application is matched with different investors, and the lending stringency of each investor is also different

4. Why does Xiaoying Card Loan require third-party review

to improve security. Many loan products do not lend themselves, but cooperate with other financial institutions, and these third parties are responsible for lending. There are many investors in Xiaoying Kadai. Xiaoying Card Loan requires third-party review to improve security.

Xiaoying Kadai is a small and micro credit service platform under Xiaoying Technology. Xiaoying Kadai joins hands with banks and other financial institutions to help individuals, self-employed individuals and small and micro enterprises with borrowing needs solve funding problems and open up the "last resort" of funds to serve the real economy. One kilometer" to improve the efficiency of inclusive financial services.