Network problems, software problems.

1, network problem. Whether the application for extension of fixed-term loan is successful or overdue is due to network fluctuation, so you need to reconnect to the network and try again.

2. Software problems. Whether the application for extension of time loan is successful or overdue, it is because the software has a bug and needs to exit the software and re-enter.

What is shown on the credit report of the failed lucky loan?

1. Overdue records lead to poor credit information of users: after the loan is overdue, overdue records will be uploaded to the credit information, and any overdue records in the credit information will lead to poor personal credit information.

2. Overdue interest increases the repayment burden of users: Zhaolian Finance collects overdue interest according to the number of overdue days. The longer the overdue days, the more overdue interest will be generated, which will increase the repayment burden of users.

3. Overdue records are uploaded to online loan big data: Zhaolian financial loans are also online loans, and online loan records may be uploaded to online loan big data, and overdue records will also be uploaded.

4. Unable to apply for other loans of Zhaolian Finance in overdue state: Zhaolian Finance has a variety of loan products, and one loan is in overdue state, so users will not be able to apply for other loans of Zhaolian Finance.

5. There will be collection during the overdue period: after Zhaolian Finance loans overdue, Zhaolian Finance will send a text message and call for collection, and the user will not repay the loan, and the collection will continue.

6. Family and friends encounter collection: After repeated unsuccessful collection from the lender, Zhaolian Finance will call the lender's family and friends for collection.

7. Unable to handle other credit businesses due to poor credit information: There are loans overdue records of Zhaolian Finance in the credit information, and users will not be able to handle other credit businesses for credit information inquiry until the overdue records are deleted.

8. Bad credit information affects users' daily life: users will need to check personal credit information when they go to a big factory to apply for a job or take an examination of civil servants, and bad credit information may affect the final result.

9. Zhaolian Finance may sue the user: When the overdue situation is serious, Zhaolian Finance will sue the lender.

10, which may be classified as an executor of bad faith: if the court judges the user to repay, the user refuses to repay, the court enforces the user to repay, and the user fails to pay off the debt, it may be classified as an executor of bad faith, and the consumption of the executor classified as bad faith will be restricted.

Stuart Xiaoman is good at answering questions in the banking field.

Other answers

After recruiting loans overdue of Finance, customers will bear the following consequences: credit information will be hurt, the platform will collect it, there will be penalty interest, the loan contract will be terminated, the platform will ask for early repayment, other loan applications will be affected, customers' evaluation scores will be affected, they will be blacklisted, they will be sued for malicious overdue, and they will not be able to enjoy preferential loan policies.

What is the failure to submit a long-term loan application? Maybe these are the reasons!

Zhaolian Good Loan is a product of Zhaolian Financial Credit Loan. There is no need for mortgage or guarantee when applying, and the system will automatically approve it. The funder will give a certain credit line to eligible loan applicants. However, there are also many people whose loans are unsuccessful. What is the failure to submit a long-term loan application? Let's have a look.

What is the failure to submit a long-term loan application?

If you want to apply for a good loan from Zhilian, you need to meet the loan requirements of Zhilian Finance. The reasons for the failure of general loans are as follows:

1, the age does not meet the requirements, and the loan applicant who recruits a good loan must be 22-55 years old. If he is not at this age, he can't apply.

2. The borrower's credit information is not good, for example, there are many overdue records of credit information, which are already black accounts for credit information, or there are many loan approval inquiry records in the past three months, which makes the system feel that the borrower's funds are very tight and he can't repay the principal and interest on time.

3. The loan information submitted by the borrower is wrong, for example, the bank card filled in is wrong, or the required information is not filled in, and the system cannot obtain accurate personal information. The borrower may be suspected of fraudulent loans and is unwilling to lend money.

4. If you apply for a good term loan through Alipay, sesame score may also have a certain impact on loan approval. If the sesame score is below 600, the loan may not pass the examination.

The first time you apply for a good loan, it is generally because the borrower's personal qualifications are relatively poor and can't meet the requirements. This is not the first application, and it is likely that the borrower failed to repay the loan on time, which led to loans overdue's failure to continue the loan.

The above is the answer to the question "What is the failure to submit a loan application for a good-term loan?" If the first application fails, it is still recommended to improve your qualifications, maintain a good credit status, and choose a suitable loan product before applying.

There is a limit to the loan with a good term. Why can't I lend it out?

The amount of long-term loans is evaluated according to personal credit information. If you can't borrow it, there are several reasons:

1. The applicant has many loans on other platforms.

Although Zhaolian Good Term Loan is an online lending platform, China Merchants Bank is behind Zhaolian Good Term Loan. They have channels to know whether the applicant has loans on other platforms. If multiple platforms have loan application information, there will be a risk assessment at the time of approval. Even if there are places, you will fail the exam and will not be lent when you actually apply. In particular, users who have applied for lending treasures, JD.COM gold bars, micro loans, etc. cannot borrow them.

2. Applicant loans overdue.

There are overdue users on other platforms, so they can't borrow them. In recent years, due to the epidemic, all walks of life are very difficult. Many people have poor capital turnover and rely on online loans to do it. As a result, the funds could not keep up, and they were all overdue. After the deadline, they want to borrow money from other platforms to fill the pit in front, and the results are more and more, and they are slowly overdue.

For products supported by China Merchants Bank, such as Zhaolian Good Term Loan, you can see the credit information. Therefore, when they approve loans, they will also approve them according to this aspect. If the credit information shows that other platforms are overdue, even if there is a quota, it is impossible to lend.

3. The applicant has more comprehensive responsibilities.

Another situation is that the applicant has a lot of comprehensive liabilities, including credit cards, mortgages, car loans and so on. If the monthly loan does not match his income, then there is a quota on the platform and the platform will not approve it.

For example, your monthly mortgage payment is 3,000 yuan, your monthly car loan payment is 2,300 yuan, your minimum credit card payment is 4,000 yuan, and your monthly salary is just 9,000 yuan, or even less than 9,000 yuan, then the platform will judge that your repayment ability is insufficient and will not give you the next payment.

Generally speaking, there are many reasons why the money on the platform cannot be borrowed. In the final analysis, there is something wrong with your own credit information, and there is no other reason.