1, there is a problem with the credit limit: the requirement for a good loan is that the user's sesame credit score exceeds 600 points before it can be opened. When your sesame score decreases, your good-term loan account will be frozen;
2. Poor repayment record: if the repayment is always overdue for one or two days, it is likely to be frozen; Maintaining a good repayment record will increase the trust of Zhaolian in you and increase the amount you can use;
3. Long overdue: Be sure to prevent long overdue repayment, which will affect your personal credit. It is difficult to unfreeze the account after freezing.
1. Zhaolian Consumer Finance Co., Ltd. is an Internet consumer finance enterprise jointly established by China Merchants Bank and China Unicom, aiming at exploring a new model of Internet finance in China, and headquartered in Shenzhen, Guangdong. The company is registered in Shenzhen Qianhai with a registered capital of 2 billion yuan. The products of Zhaolian Consumer Finance Co., Ltd. mainly include small change, good term loans and credit payment.
2. Good-term loan is a consumer loan product for young white-collar workers. No mortgage, no guarantee, very convenient, providing fast online loan service. In the future, whether it is home improvement, education, tourism, or buying large furniture and electrical appliances, users can quickly get the support of good loans. Good loans are mainly for the working class, meeting the needs of small loans such as decoration, study abroad, tourism and online shopping for large items.
The reason why the previous loan can be repaid normally and the loanable amount is frozen is that you are included in the risk control list. Simply put, being controlled by the wind is to find that you may be in debt or have loans on multiple platforms. The platform is worried that you have no money to borrow or repay the loan with the loan, so it freezes the loanable revolving line. There is basically no quick or direct unfreezing method, only debt can be solved, and there is no loan record in your credit history for more than 1-3 months? Thawing is possible.
Good loan is a relatively reliable loan application, which mainly belongs to Zhaolian Finance, including wage loan, white-collar loan and homeowner loan. Among them, white-collar loans can be applied after verification by the enterprise mailbox, and unpaid mortgages with normal repayment can be repaid for more than 6 months. Call for a full online application for a term loan, and the next payment will generally arrive on the same day. The loan can be recycled within 3 years, with a maximum amount of 200,000 and a maximum loan period of 36 months.
The loan that Alibaba cooperated with China Merchants was approved by the big data module. It's not necessarily that there is something wrong with your personal credit information. It is very likely that big data analysis shows that your recent financial situation is beyond risk. Or you guarantee a bank loan for others. Or income is not proportional to repayment. So you can check these factors.