Why have all my online loans been rejected

2. Make a **, sort out the online loans you have applied for, see if you can properly settle some of them, uninstall the app after repayment, and cancel your application records at the same time;

3. Correct your mentality, control your desire to consume, and make a reasonable borrowing plan, and try to seek other ways when you encounter financial difficulties, such as asking relatives and friends around you for help.

Extended Material: The Dangers of Online Loans.

The harms are as follows: 1. Some online loan platforms.

The rates are not clearly indicated, in the handling fee, overdue fee, liquidated damages.

Once the repayment is overdue, college students are likely to be unable to bear the loss of funds, resulting in a credit crisis of advanced consumption.

2. Due to the low threshold for online loan installment consumption, it provides a platform for college students to consume ahead of time and consume luxury, but many college students are in debt due to impulsive consumption, which brings trouble to normal learning.

3. Once there is a situation of overdue repayment, it will affect the personal credit of college students in the bank.

Once there is a personal credit stain, after stepping into the society in the future, whether it is applying for a credit card or applying for a loan, it will have to pay a greater cost than others and may even be rejected. In addition, in the event of an accident in these small online loan companies, the student ID card of the college student.

and ID cards and other private information also have the potential to be leaked.

Disadvantages of online lending.

1.Unsecured, high interest rate, high riskCompared with traditional loan methods, online loans are completely unsecured loans.

And, the central bank.

Again and again: compound annual interest rate.

More than 4 times the bank interest rate is not protected by law. It also increases the high risk of online loans (generally 7 times or even higher than the bank interest rate).

2.Credit risk: The inherent capital of online lending platforms is small, and they cannot bear large amounts of guarantees, and it is difficult to solve the problem of large loans once they occur. Moreover, some borrowers also take out loans for the purpose of fraud, and some of the purposes of the creators of the loan platform are not pure, and there are frequent cases of fleeing with money.

3.Lack of effective regulatory meansBecause online lending is a new type of financing means, the central bank and the CBRC do not have clear laws and regulations.

Guidance on online lending. For online lending, the regulator mainly has a neutral attitude, and does not violate the rules and does not approve it. However, with the prevalence of online lending, it is believed that the relevant measures will be formulated and implemented in a timely manner.

1. Suspend loan application.

When reviewing the customer's application qualifications, the online lending platform will generally focus on checking the user's credit report record and carefully examine the customer's credit status. Therefore, if the user has too many online loan application records in the past, then your credit report can be imagined to be very "spent", and the platform will generally not have confidence in the user's economic situation and repayment ability in the face of this situation, so it is easy to reject this kind of application. Therefore, users can suspend the loan application in the near future and repair their personal credit first.

2. Don't check personal credit frequently.

Although there is no limit to the number of inquiries in the personal credit report, the more you can check, the better. Individuals who frequently check their personal credit will also leave a record on the report, causing the credit history to become "spent" and also need to pay a certain fee. And users keep applying for loans, which will also cause the lender to check your credit information, leaving too many records.

3. Appropriately purchase platform wealth management products.

In addition to launching loan products for users, some online lending platforms also sell some wealth management products. If the user has this economic strength, you can consider purchasing some of its wealth management products on the loan platform, which can enhance the platform's confidence in the user's economic situation, let the platform feel your user stickiness, and improve the probability of accepting your loan application.

4. Reduce personal debt ratio.

Generally, the acceptable standard of online lending platforms is that the user's debt ratio is less than 50%, and the user should pay attention to this standard line. If you have a lot of online loan records in the past, you should be aware of your current debt situation. If the debt ratio exceeds the platform's acceptance standard, you can pay off part of it appropriately by seeking help from relatives and friends, selling assets, etc.

Wait until your ability to repay your loan has recovered in a few months before trying to apply for a loan, so that you have a better chance of success.

Coordinates Xi'an, a loan manager, too many online loans are all rejected, indicating that your credit has been spent or hacked, and the comprehensive score of big data is insufficient.

The subject's question has two meanings.

First, if you can't borrow funds, you can borrow from friends and family at this time, or find a local offline third-party loan agency to help you apply for a bank loan.

Second, how to solve the rejection, that is, the credit investigation is spent, and the big data score is insufficient, in this case, you only need to stop all lending, loan approval behavior, and maintain a good consumption repayment behavior for more than 6 months. Raise the credit report, and the rejection situation will slowly improve in the future.

Online loan is rejected, this is definitely a good thing, if your online loan is rejected, it may be destined, want to God want to help you miss a chance to be pitted, as we all know, online loans are actually not easy to send before the refinancing comes out, how much money should be repaid each month and the number of years of repayment, and the way is not fixed. As an adult, if you want to carry out capital turnover, online loan is definitely the most undesirable way, in daily life, if you want to use money, you can have many options, online loan is really not recommended for everyone to use.

If you want to have capital turnover, or solve the immediate difficulties, you can choose a small bank loan, or borrow a credit card and other ways, but online loans are indeed not conducive to the turnover of funds, which is a very dangerous signal. I hope that everyone can be more vigilant when making loans, so as not to make a big mistake and put yourself in a situation where you can't extricate yourself, after all, online loans are not legal and reasonable loans advocated by the state, and they are not very protected by the law.

In recent years, college students' online loans have attracted a lot of attention and topics on the Internet, most of which are college students who take out loans on the grounds of consumption, and finally the mud leads to their inability to repay, so that small loans become large debts, and many families are difficult. Payment, this is a loan model that harms others and is not beneficial to oneself, so if you can not make an online loan, you will not take out an online loan, which is a way of self-protection and a way to avoid lightning, after all, as a normal person, there is no way to bear high interest.

Finally, I hope that everyone can be cautious about online loans, the possibility of entering the pit and then coming out is very small, and the difficulty is also very great, in order to make everyone's happy life, stay away from online loans, and refuse online loans is the top priority.

Then don't take out online loans, there are many harms of online loans, and online loans will also affect your personal credit, so it's best not to touch online loans.

You should contact customer service immediately and explain that you did not meet the requirements of the other party during the review process to achieve such a result.

After such a situation, you can take out a loan through the bank, and you can also change an online loan platform, and you can also change the previous information.

<> online loan is rejected for the following reasons:

1. Have a bad credit record on other platforms.

Poor personal credit is an important reason, now many platforms have a large database, some shared institutions will be through the blacklist query, although the borrower in the lending platform is good, but in other loan platforms there are such bad records, such as: overdue repayment, etc., these may cause the applicant's second application to be rejected.

2. Insufficient bank flow.

If you apply for a loan in the bank, the bank statement is a very important reference factor when handling a loan, the bank mainly assesses your repayment ability based on the flow record to see if there is a stable income, if there is no bank flow or the bank flow is too small, it will cause the failure of the loan again.

3. The debt ratio is too high.

On the basis of the outstanding loan amount of the previous loan, re-borrowing will increase the debt ratio of the company, resulting in high repayment pressure. Such an applicant bank is reluctant to issue a loan to you if it considers the repayment of the loan.

If the borrower borrows 100,000 yuan in the bank, but there is an outstanding loan amount of 60,000 yuan, when you apply for a loan again, the bank will only issue you a loan amount of 40,000 yuan at most.