Why can t I borrow money and repay money when I have money to spend?

Hello, it may be a system reason, or a reason. It is recommended that you re-** have money to spend the app, and if you still can't use it after logging in again, call 95055 to consult manual customer service.

Rich Flower is a credit service brand under Du Xiaoman Finance (formerly known as: Rich Flower, renamed as "Rich Flower" in June 2018), and you can borrow up to 200,000 yuan by clicking on the measurement.

Big brands are reliable, low interest rates, and trustworthy. It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application only supports debit cards, and the application card is also your borrowing card; My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

"Rich Money" is a credit service brand (formerly known as: Rich Flower, renamed "Rich Flower" in June 2018) under Du Xiaoman Finance (formerly Finance), which is reliable, has a low interest rate and is trustworthy.

There is money to spend - full of easy loans, the daily interest rate is as low as; Exclusive loan, with a low monthly rate, easy application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Relying on the advantages of technology and scenarios, Youqianhua uses artificial intelligence and big data risk control technology to bring convenient, fast and reassuring Internet credit services to users.

In fact, as long as the user uses the money to spend the product normally, then there will be basically no situation where the loan can not be re-loaned after the loan is paid off

1. The user has overdue repayment when using the money to spend:

As long as the repayment is overdue, you will not be able to borrow again, so if you want to continue to use the money, remember not to make late repayments.

2. There is a problem with personal qualifications:

Although we were eligible for a loan when we first applied for a loan, it does not mean that the user is permanently eligible for a loan.

It is possible that during the period from the initial borrowing to the repayment of the loan, the user has credit problems on other platforms, which affects their credit information, or their own money spending account is abnormal, which will lead to the inability to make a second loan with money.

3. Have money to spend your own quota tightly:

There is also a possibility that there are too many borrowers at the same time, which will cause the problem of tight loan amount, so we may not be able to successfully borrow when taking out a loan, so if this is the case, the user can apply for it after a while.

4. Users frequently repay in advance when they have money

If the user frequently takes out a loan when he has money to spend, and repays the loan in advance for a few days each time, it will also lead to the situation that he cannot get a loan in the later stage.

When you have money to spend, you can borrow from your friends to repay, so that you can avoid overdue, after all, there will be penalty interest after overdue repayment, and the penalty interest will be charged at the agreed interest rate of 150% of the overdue amount every day from the date of overdue, until the borrower has repaid all the arrears. If there is money to spend on overdue repayment, the platform will upload the overdue record to the credit information center, and the personal credit will affect the processing of various loans, such as housing loans or car loans.

Extended information: 1. Have money to spend.

Youqian Hua is a credit service brand under Du Xiaoman Finance (formerly known as Finance, renamed in June 2018), formerly known as Youqian Hua, which is positioned to provide personal consumption 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.

2. Product introduction.

Youqian Hua has laid out a number of product lines, including: "Youqian Hua - Full Easy Loan", "Youqian Hua - Exclusive Loan", "Youqian Hua - Small Term Loan", which can be accurately matched according to the user's borrowing needs. Full Easy Loan.

3. Product introduction.

Youqianhua's personal credit loan products cooperated with seven major banks only need to fill in the identity information, and after submitting the materials, you can get a loan limit, which can reach 200,000 yuan. The quota can be recycled, and the corresponding quota can be restored after each loan is fully repaid. There is no penalty for early repayment, and you can flexibly choose the installment method, which can be divided into up to 24 installments.

4. Credit line against ruined ridges: According to the user's personal credit situation, search habits, credit risk, etc., through big data intelligent AI calculation, combined with the risk control model, the user is granted a consumption limit ranging from 1,000 yuan to 300,000 yuan. The quota is granted according to the user's accumulated credit, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic.

However, it is not possible to open or raise the quota through others. The credit line is a one-time credit line. After the credit is granted, the user can borrow a one-time loan within the credit line, and the unused part of the credit line cannot be used again.

Once a loan has been fully settled, you can reapply for a credit limit, which may be different each time you grant it.

Of course, this is okay, as long as there is a limit, but the repayment must be on time, this is on the credit report, don't spend the credit information. Users can apply through the Money Spend app, wallet app, or through the app, map app, Tieba app, cloud disk app to enter My, click Money to spend or borrow cash to apply, or use the search for "money to spend", "Money to spend" and other keywords to enter the official website to apply.

Having money to spend is to support borrowing, and it is itself doing this. If you have money to spend, you need to provide your 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. However, 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, recommending timely repayment and maintaining a good personal credit record.

In order to facilitate the loan, the user directly applies for a loan on the online loan platform. In order to avoid any problems when applying for a loan, users can follow the prompts on the page to operate. How do you borrow money if you have money to spend?

Why does borrowing fail when you have money to spend?

Rich Flower is a credit product of Du Xiaoman Finance's original finance, formerly known as Rich Flower, and now known as Rich Flower. How do you borrow money if you have money to spend?

2.After opening the Money-Spending app, users need to fill in their personal information and information accurately, and after completing the identity authentication, users can view the loan amount they have obtained in real time.

3.Users can click "I want to borrow" when they have money to spend, fill in their borrowing amount and bank card information accurately, and then submit their loan application.

4.In order to further ensure the safety of these users' funds, the platform will review the identity information of these users when applying for a loan for the first time.

5.Users can pay attention to their mobile phone SMS notifications in a timely manner, and the platform has a relatively fast review speed, and you can get a loan in as little as three minutes.

It should be noted that college students are not allowed to apply for money to spend.

Why does borrowing fail when you have money to spend?

1.When users fill in their personal information, the information filled in is incorrect, and these users do not modify their information in time, resulting in the user being unable to borrow money in Youqianhua.

2.There are certain restrictions on the age and identity of borrowers who have money to spend. Although the platform can provide credit loan services for users aged 18 to 55, Youqian Hua refuses to provide consumer installment loan services for college students.

3.If users have bad records when borrowing money from credit cards or online loan platforms, then Money Spend may not provide borrowing services for these users temporarily.

If you don't know how to borrow money when you have money, you can follow the steps described above. Users must fill in their personal information accurately when borrowing, and if the information is filled in incorrectly, it will also affect the user's borrowing on the online loan platform.

<> when you borrow with money, the credit will be restored when the loan is paid off in full (partial payments will not be restored). As long as your account status is normal and the available limit is not less than 500 yuan, you can continue to borrow. After the loan is approved, it will arrive within 2 hours under normal circumstances, and 98% of users can receive it in real time.

If you fail to borrow again after repayment, it is because you have money to change the application amount and each loan needs to be reviewed separately, and the loan review will be more stringent. If you fail to pass the comprehensive assessment on the page when you withdraw money, it means that you have not met the review criteria for having money to spend and cannot borrow money temporarily. It is recommended that you maintain a good personal credit history, borrowing habits, and protect your and personal privacy in the future; Your personal information will also be updated from time to time.

In addition, when you borrow, you need to pay attention to the fact that there is an expiration date for the loan amount that you have money to spend. After the user has money to spend to apply for a loan and obtain a certain amount, he needs to borrow for the first time within the validity period of the 30-day quota of Hongyin, and the amount is not limited. After the first key banquet loan is successful, the user's quota will be valid for a long time under normal circumstances.

Therefore, it is recommended to borrow as soon as possible during the validity period of the quota, otherwise the quota will become invalid. If the user is often overdue or has other bad credit during the loan period, the existing limit may be cancelled or reduced, so it is important to maintain a personal credit history.