What s the matter if you can t borrow money

Borrow. The reason why you can't borrow money is that you can't borrow money from Sesame because your credit is insufficient or too low, and you need to improve your Sesame credit score.

Not enough. First, if you can't borrow an online loan, it shows your debt ratio.

High. Or you apply for too many platforms in a short period of time, resulting in your credit inquiry being too high. Secondly, many online loans have their own big data models.

Borrowing in the short term will be recorded. So it will cause you to not pay for the situation. To put it simply, your data is not good, and the platform is afraid that you will overdue your borrowing.

So I'll give you a few suggestions. Reduce your debt ratio and stop borrowing. It will be much better after 3 months.

Second, borrowing is an online loan product and a bank loan.

Comparatively, the collection will be stronger. Generally speaking, if the borrowing time is overdue for about three days, the staff will remind the borrower to repay the loan through text messages and **. If it is overdue for more than a week, the collection of the borrower will gradually increase, and the borrower will receive several collections** and text messages every day, and even inform the borrower's family and relatives by reading the mobile phone address book, which will seriously affect the borrower's work and life.

If the repayment is still overdue for more than 3 months, then the borrower will solve the problem through legal means, and the borrower will face prosecution. Therefore, the consequences of overdue borrowing are very serious, and you must repay the loan on time to avoid overdue borrowing.

Third, borrowing is also a regular online loan, and it may come to the door.

The following situations are easy to be collected by door-to-door.

If you really encounter door-to-door collection, please don't be afraid, and accept it calmly.

In a legal society, illegal collection, please keep the audio and video recordings and other evidence, once the other party has excessive behavior, you can complain and report.

It is recommended that when the credit card is overdue, you should negotiate the interest suspension installment to avoid being harassed by collection and affecting your normal life.

The interest is calculated on a daily basis, and the daily interest is between, that is to say, we borrow 10,000 yuan from the borrowing, and the daily interest is between yuan and 6 yuan, like my borrowing daily interest rate of 4/10,000, the interest is still relatively high, according to this standard, the interest for a month is 24 yuan, which does not seem high, but it will be a big amount if the cycle continues.

1.According to Alipay's latest regulations, if the user has multiple overdue and malicious cash-out behaviors in the process of using Huabei or Borrow, after being detected by the Alipay system, the user's Huabei and Borrower will be forcibly suspended. So, if you find that your IOU shows that you can't borrow money, you can check if you're overdue.

2. As a student, according to the latest national regulations, the microcredit platform shall not provide any lending services to students without financial income. So this year, the borrowing channel has been closed for school students. If a user finds that they can no longer request a loaner, it may be because their information shows that they are enrolled in school.

There may be a number of reasons why you can't borrow money:

1.Probably because of the use of this borrowing.

, there is a situation of overdue or bad credit.

2.It may also be because you chose to repay the loan in advance when you used the loan.

The borrowing system may think that there is no need to borrow, so it will be closed.

Extended Materials: 1. Introduction.

"Current Name Credit Loan" is a loan service launched by Alipay, according to Sesame.

Depending on the number, the amount of loan that users can apply for varies from one person to another. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

January 9, 2018, or for excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance.

2. Introduction to borrowing services.

"Borrow" is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. According to the different scores, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

At present, the consumer loans launched by e-commerce giants.

It is mainly for installments in the consumption scenario of this e-commerce platform, but with the continuous accumulation of personal credit data, it is aimed at personal credit loans in non-consumption scenarios.

It is also being rolled out one after another.

3. The following is the actual combat experience:

1. Deposit Yue Bao.

One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

Operating environment: vivox27, Alipay.