Why do you fail to borrow when you have money to spend and have a limit?

The amount of money to spend and each loan need to be reviewed separately, and the loan review will be more stringent. If you fail to pass the comprehensive assessment when you withdraw money, it means that you have not met the review criteria for spending money and cannot borrow for the time being. It is recommended that you maintain a good personal credit history and borrowing habits in the future, and protect your and your personal privacy at ordinary times; Your personal information will also be updated from time to time.

Hello, whether the loan is approved by the system is reviewed by the system, and the manual cannot interfere with the review results, and the specific results are subject to the page display. You can try to apply, and if the application fails, you can wait for a period of time to try the application again.

At present, Du Xiaoman, together with financial institution partners, has served more than 10 million small and micro business owners and individual industrial and commercial households. In the next three years, Du Xiaoman will provide trustworthy and comprehensive financial services for 30 million small and micro business owners, and practice the dream of inclusive finance.

Since its establishment, Du Xiaoman has been taking helping small, medium and micro enterprises as its own responsibility and helping the real economy as its mission, and has continuously exerted the advantages of financial technology through practice to solve the problem of difficult and expensive financing for small and micro enterprises, and explored an effective path. Not only that, Du Xiaoman has always taken reducing the financing cost of small and micro enterprises as one of the strategic goals of the company's development.

If you have more questions, you can find **customer service to answer through the Du Xiaoman app. Remember, Du Xiaoman does not charge any margin or verification money for borrowing, and the amount of borrowing will be as much as it gets.

I've encountered this situation before, and then after a few months, when I went to the Du Xiaoman app to apply, it was successful, and you can also apply again after a while. In addition, I would like to remind you that if your personal credit is not good, it is very difficult to apply successfully. Du Xiaoman's loan rules are very detailed, pay attention to them before applying, and then apply after figuring them out.

I have a bubble tea shop, usually pay the store rent in the hand of the money turnover can not be opened, will borrow some on Du Xiaoman, Du Xiaoman can repay in advance, generally the money in the hand turnover I will pay in advance, so there is not much interest.

There is money to spend, which is Du Xiaoman's credit service.

Du Xiaoman has a quota but the loan is unsuccessful, mainly because the system did not pass the comprehensive review, because Du Xiaoman's application quota and loan are reviewed separately. The user will be required to supplement more information during the loan review, and the system will also conduct a more comprehensive review and evaluation of the user's comprehensive situation. Therefore, relatively speaking, the loan review will be more stringent, so there will be a situation where the full amount of the loan has been approved, but the loan review has not been passed.

The maximum amount of borrowing is 200,000 yuan, the daily interest rate starts, the annualized interest rate starts, and the capital turnover is found in Du Xiaoman. Here is a reminder to everyone, beware of fake customer service scams, when you encounter a "fake customer service" that claims to charge "verification money" and "deposit" can help you apply for 100% of the pass of the "fake customer service", don't believe it, it is all loan fraud. If you have more questions, you can find my customer service through the Du Xiaoman app for answers.

If you have money to spend and cannot borrow, it may be because the user has had serious overdue behavior, or the bank has insufficient liquidity, or the borrower is too indebted.

1. Serious overdue: A good credit record is a prerequisite for applying for a loan, if the applicant's credit is overdue or in default, it is difficult to apply for borrowing money when there is money to spend.

2. Insufficient bank flow: Bank flow is an important basis for the analysis of the borrower's repayment ability, and there are certain regulations on the user's bank flow limit if there is money to spend, and the user's flow interest settlement limit is not up to standard.

3. Excessive debt: If the user has too high debt when applying for a loan, he will be judged as a risk user, which is an important reason for the rejection of the application, and it is difficult to apply for a loan if the personal debt is too high.

Extended information: Youqian Hua is a credit service brand of Du Xiaoman Finance (formerly known as Finance, renamed in June 2018), formerly known as Youqian Hua, which is positioned to provide personal consumer credit services for the public and create an innovative consumer credit model.

Using artificial intelligence and big data risk control technology, it brings users convenient, fast and reassuring Internet credit services, which have the characteristics of simple application, fast approval, high quota, fast loan and strong security.

It has laid out a number of product lines, including: "Rich Flowers-Full Easy Loan", "Rich Flowers-Exclusive Loan", "Rich Flowers-Small Term Loans", which cover daily consumption, education, medical beauty, etc., and can be accurately matched according to users' borrowing needs to provide users with trustworthy credit services.

Application Instructions: 1. Application Entrance: Users can register the **Rich Flower APP through the "Application Entrance" to apply, or use keywords such as "Rich Flower" and "Rich Flower" to enter the official website to apply.

2. Loan process: fill in the information - get the quota - apply for the loan - real-time arrival.

3. Application threshold: provide my second-generation ID card and bank card. Registered users between the ages of 18 and 55 can apply. If the information is true and the credit history is good, you will get a higher limit after passing the review.

4. Repayment method:

1) Manual repayment: Repayment is made according to the repayment date of the IOU, and the repayment can be completed by binding a savings card to the wallet;

2) Automatic repayment: The system enables automatic repayment by default, and the result of automatic repayment is subject to the actual time when the bank card payment is successful.

3) Early repayment: support early repayment, no handling fee will be charged;

5. Repayment date: The specific repayment date in the IOU shall prevail, and the repayment date of multiple IOUs may be different.

6. Penalty interest: If there is an overdue bill, the system will charge overdue penalty interest according to the interest rate specified in the agreement, and report it to the Credit Information Center of the People's Bank of China, and it is recommended to repay on time and maintain a good personal credit record.

1. If there is a way, contact customer service to solve it.

For the situation that there is money to spend and cannot be borrowed, the customer has a way to solve it. Customers can check their personal credit first to see if there is a bad record in the near future, and if so, it is estimated that it is because of credit problems that they cannot borrow. For example, if the overdue record is overdue, the customer should first check whether the arrears have been paid off, and if they have not paid it off, they should pay it off quickly, and then take good care of their credit.

1.The short-term borrowing limit refers to the borrowing limit that the bank grants to its basic customers a certain amount, that is, the enterprise can borrow so much money within a specified period of time, and it is not feasible to exceed this limit.

2.The loan amount refers to the amount of the loan applied, which is determined based on the applicant's credit qualification and repayment ability after a comprehensive assessment. Generally speaking, the higher the salary income and the higher the social status, the higher the amount of the loan will be determined by the applicant's qualifications, but the maximum will not exceed the maximum limit of the loan product.

3.The credit limit of the borrowing enterprise refers to the sum of all the credit lines granted by the bank to a borrowing enterprise, and the credit limit of the borrowing enterprise also includes the risk exposure caused by issues such as the exchange rate of the loan.

4.Due to the different ways in which interest is paid, the accounting is not exactly the same. If the interest on short-term borrowings is calculated on a monthly basis, or the repayment of principal and interest is made at one time, but the amount of interest is not large, the interest expense can be directly included in the profit or loss for the current period; If the interest on short-term borrowings is accrued on a quarterly (or semi-annual) basis, or the principal and interest are repaid at one time, but the amount of interest is large, the amount of interest can be withheld, recognized and paid on a monthly basis in the form of withholding.

5.The purpose of short-term bank loans is generally to make up for the shortage of the enterprise's own working capital, which is a current liability of the enterprise, so its interest should be treated as a financial expense. The loan amount refers to the amount of money that a bank provides to a borrower in monetary terms.

Unless otherwise specified by the People's Bank of China, the China Banking Regulatory Commission or other relevant state departments, the amount of personal loans can be determined according to the amount of mortgage guarantee, pledge guarantee and guarantee provided by the applicant for the value of the property purchased, as well as credit standing.

The amount and borrowing qualifications are reviewed separately, and the borrowing is stricter, so you need to maintain good credit and no problems with credit reporting.

Is it because your credit report has not been good lately? Or too much loan? Caused by not passing the system review? Du Xiaoman has money to spend, which is quite practical.

1. Maintain credit reporting. Borrowers should maintain their personal credit records, develop the habit of repaying on time and in accordance with the amount, do not overdue or frequent early repayment, and reduce loan applications to avoid excessive loan approvals.

2. Improve the ability to repay. It is necessary to have a certain ability to repay, repay on time, and let the lending platform and the bank know that they have enough ability to repay the loan, and will not default.

3. Reduce the debt ratio. Borrowers should not have high debts, because the debts are too high, and if they have money to spend, they will be rated as high-risk users, so applicants should spend correctly and reasonably, and have a stable job and workplace.