If you apply for a loan on China Post Wallet, but cannot borrow the money because the comprehensive evaluation fails, the customer can first check the reason why the comprehensive evaluation failed.

If it is not a big problem, but the system fails to review and the score is insufficient because the information provided is incomplete or incorrect, then the customer can just prepare the information again and apply.

If customers are in urgent need of funds, they can also try to apply for loans from other loan platforms.

And if it is found that the personal credit is not good and there is a bad credit record on the credit report, which leads to the comprehensive evaluation not meeting the standard, it may be difficult for the customer to borrow money in the short term. The customer must first build up his credit and wait until his personal credit report is repaired.

Okay, when will I apply for a loan again?

Also, if it is found that it is because of long-term borrowing and debt is too high, the customer can first find a way to pay off the debt in his name or pay off part of it first, and then go to the hospital after the personal debt ratio is reduced.

Apply for a loan.

Extended information: China Post Wallet and China Post Consumer Finance are the same company. China Post Wallet is actually the official application client of China Post Consumer Finance. If customers want to apply for loan products under China Post Consumer Finance, they usually log in to the China Post Wallet APP.

Apply.

After entering the China Post Wallet APP, select a China Post consumer finance loan (revolving loan, speed loan, Youker loan, etc.) on the homepage, click the apply button, and then follow the page prompts to fill in personal application information, loan information, and complete real-name verification.

, bind bank cards, set transaction passwords, etc.; then read and check the agreement, confirm the identity verification, submit, and then wait for the review results.

Everyone also needs to note that if you are applying for a non-revolving one-time loan product such as Jisu Loan, after approval, you need to log in to the "China Post Wallet" APP again and click to confirm to accept the loan, and then the money will be released to the designated bank card;

If you apply for a revolving loan, you can withdraw and use it within the limit after opening the limit.

The relationship between China Post Wallet and Postal Bank: China Post Wallet is the official application client of China Post Consumer Finance, and China Post Consumer Finance was initiated and established by seven companies including the Postal Savings Bank of China and approved by the China Banking and Insurance Regulatory Commission.

licensed financial institution.

Therefore, China Post Wallet is actually a credit product launched by China Postal Savings Bank.

If customers want to apply for loan products from China Post Consumer Financial Institution, a subsidiary of Postal Bank, they can log in to the China Post Wallet APP, submit personal application materials, loan information, and provide the receiving bank card.

China Post Wallet supports not only Postal Bank’s bank cards as payment cards, but also deposit cards from banks such as Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Agricultural Bank of China, Shanghai Pudong Development Bank, CITIC Bank, Industrial Bank, Ping An Bank, China Everbright Bank, etc.

support.

Of course, in addition to the application channel of China Post Wallet APP, customers can also apply for loans at the offline business outlets of China Post Consumer Finance; or they can also apply through the WeChat official account and Alipay Life Account of China Post Consumer Finance.