Have a quota but failed to apply? Why do I keep failing? The reason could be this

When we use credit cards and credit software, we will get a limit based on our credit value to set the maximum loan amount that users can borrow. With the increase in loan types, it is not difficult to choose a reliable loan platform, but if you want to get a higher loan amount, you need to have good credit.

The limit of ordinary credit cards of general banks is less than 50,000 yuan, and you need to be above the platinum card level to get the limit of more than 50,000 yuan, while the limit of credit loans will be higher in comparison. Among them, the credit products of Xiaoman Finance have money to spend, with a maximum borrowing limit of 200,000, which can meet the quota needs of most users. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply.

The interest fee for spending money is transparent, and the interest rate of big brands is reliable.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Some platforms are like this, and it is possible that you have been politely rejected.

It's also possible that they don't have the money to put it out.

Refresh the application again to try, it should be delayed by the server.

Specifically, the actual product rules shall prevail, and there is no impact on the application of some products if the quota is not used, but some products will deduct a certain fee even if they are not used, so it is recommended to check the specific product information rules first to avoid unnecessary losses. If it's just Alipay's Huabei with a limit, you can also use it, if it's an Alipay loan or an online business loan, it will be quickly reduced and the system will allocate the amount to other customers in need, if you apply for an online loan outside the authorized credit limit, it is recommended that you use it, otherwise the credit will be eliminated after 2 years. If the credit card exceeds the 6-month limit.

Extended information: The credit card limit, also known as the credit card available limit, refers to the maximum amount of credit card that an individual can use, which includes the credit limit (i.e., the maximum amount that the credit card can be overdrawn) and the amount deposited into the credit card.

The amount of any credit card is based on the effective income and asset collateral value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and collateral, that is, the higher the income and collateral, the higher the amount obtained. Therefore, the applicant must provide proof of income, provident fund and social security, and asset guarantee.

Asset collateral includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Tips for using quotas:

Temporarily increase your credit limit to avoid maxing out your credit card.

In fact, every credit card has a hidden over-limit degree, and when you max out your credit card, it is easy to use the over-limit, and once you use the over-limit, it means that you have to pay a high over-limit fee. Many consumers are not able to grasp the process of shopping, and often have a maxed out credit card. It is recommended that you apply to the bank in advance to increase the temporary limit, which can not only avoid maxing out your credit card, but also increase the credit limit.

Refers to the amount of money that the lender can borrow from the borrower without providing financial security. It usually refers to the maximum amount that a natural person borrows from a bank, and the bank is willing to provide the maximum amount of the loan according to the individual's credit status. This amount will be unilaterally determined by the bank due to factors such as income, revenue, debt ratio, job content, company, company position, property, etc.

This type of lending relationship is usually the case where a bank lends money to a natural person. On the other hand, the bank's lending to the organization is usually a commercial activity necessary for the commercial organization to conduct cross-border transactions.

If you don't use it for a long time, your limit will be lowered or cancelled.

Because the credit is also valid, and there is no substantive transaction during the validity period, the credit-granting party will think that the creditee does not need this service.

Then the credit grantor can adjust the credit limit to other people who can obtain benefits, so as to avoid the empty line and reduce the income.

Hello, only the amount of money without borrowing will not let you repay, please rest assured.

This can be assured, as long as there is no borrowing, the borrowing order will not be generated, it's okay, don't worry, and borrow it when you need to use it.

The application quota means that you have passed the review and approved the amount of loans according to your credit, and if you have not signed a contract, it will naturally not be considered a loan. However, it is recommended that you do not often fill in the information and check the amount on various platforms when you do not need a loan, so that the background of the credit investigation will leave a record, and when you want to take out a loan in the future, it will be judged that you often take out loans, and the approved amount will be reduced.

If you want to apply for a loan, you still need to meet certain conditions, and many loan platforms have relatively high review standards, if you can't meet the standards, no matter how you apply, you will still fail. Some netizens can't help but wonder after failing many times: Why do you always fail to apply for quotas?

Something went wrong? Let's take a look at the reasons for the failure of the loan review.

Why do I keep failing?

1. The credit investigation is not good

Many loan applicants have problems with their credit information, such as having overdue records, and applying for credit loan products in this case will basically be rejected, because credit loans require applicants to have good credit and not have any bad credit records.

There are also some loan applicants, because they are anxious to borrow money, often apply for loans on multiple platforms at the same time, and there are many loan approval inquiry records on the credit report.

There are also some people who are white credit accounts and do not have any credit history on the credit report, and the lending institution cannot judge the risk level of the applicant from the credit report.

2. There are too many outstanding loans

Some loan applicants may have no credit investigation at all, and there are many records of on-time repayment on the credit information, but there are too many outstanding loans, and the debt ratio is too high, such as more than 70%, and the applicant's repayment ability is greatly reduced, and the lending institution is unwilling to lend.

3. Unstable work

Many loan products require borrowers to have a stable job and income**, and if you are a freelancer or have a job that is not stable enough, you are likely to fail.

Some loan platforms will have special requirements, such as the need for a certain number of sesame points, or the requirement for real-name authentication of mobile phone numbers for more than half a year, you can take a look at it according to your own situation, meet the loan requirements and then submit a loan application.

There is a loan limit, but the user cannot apply for it because the user has not passed the review of the system. There are many reasons why it cannot pass the system review, such as bad credit, high debt ratio, insufficient repayment ability, etc., as long as one of the reasons appears, then the user will not be able to pass the review. If the loan is rejected for approval, the user should solve the relevant problems first, and then try to apply for a loan after the problem is resolved.

In addition, if the user's loan is not approved, he can also try to apply for other loans, after all, different loans, application conditions, and review standards are different.

If there is a loan limit, it may not be able to apply.

Nowadays, everyone who has a problem before going to the bank to apply for a loan will check their loan amount to see which bank they have a higher loan amount in before going to this bank to apply for a loan. Because the higher the amount, it means that you will be able to apply for more loans and be able to do more things. But even if you have a loan limit, if your credit is too poor, your debt ratio is too high, and your repayment ability is too poor, the bank will not apply for your loan.

Therefore, it is not enough to have a quota alone, but also to maintain a good credit report and property certificate, so that you can apply for a loan.

Things to look out for when applying for a loan at a bank.

Banks are large state-owned enterprises, and they are very welcome for people to apply for loans, but some people are unsuccessful. Therefore, there are some precautions to be taken when applying for a loan at the bank. First, if you want to apply for a loan at the bank, you must make the bank flow more beautiful, so that the bank will approve your application more quickly.

Second, don't use your credit card frequently before applying for a loan, so that the credit card limit becomes zero, and the bank will think that your income is not good. Third, it is necessary to provide more proof of property, and the more you prove it, the faster the review will be.

So there are some things to keep in mind when applying for a loan at the bank, and if you pay attention to these things, then your loan application will become easier and faster.

Friends who have applied for a credit card should know that the bank will grant credit only after the credit card is approved, and this limit is the maximum amount that everyone can overdraw. Many people will ask if there is a limit after applying for a credit card, but in fact, there is uncertainty about this, and friends who find that they do not have a limit can solve it through these methods.

Is there a credit card limit after applying?

Not. Even if the credit card application is approved by the bank, there may be no limit, which is mainly related to the applicant and its qualifications.

1. Application object: In addition to office workers can apply for credit cards, there are many banks that tailor-made campus credit cards for college students, many college students can not get ordinary credit cards can establish credit in advance by applying for campus cards, but the biggest difference with ordinary credit cards is that there is no quota for campus cards, and only after graduation can you get the quota by transferring the card.

2. Credit conditions: many office workers will also encounter no quota for credit cards, such customers are usually not very qualified, and barely meet the basic card conditions, but the loan risk is relatively large, and the bank does not want to lose this part of the customers.

Is there any way to solve it?

One is to deposit money into the credit card so that there is a limit, and the card consumption does not have to repay, and you can also enjoy the preferential services of the bank, but this is only suitable for people with strong economic ability, after all, many people are short of money when they do credit cards, and they want to turn around through credit cards.

One is to submit proof of financial resources and ask the bank to raise the amount. For example, if you have a car, real estate, and financial products under your name, you can try it, but it is best to save money for a period of time and then try.