What is the reason for borrowing the comprehensive assessment has not passed for the time being ?

First, the front. If the comprehensive score is insufficient, I am afraid that it will not be easy to borrow on the formal licensed loan platform in the short term, because it will be reviewed, and the comprehensive evaluation of the system is not up to standard, and the platform will naturally not lend.

2. Specific analysis.

It is estimated that only some microfinance platforms that have not been approved by the CBRC and do not hold financial licenses still have the opportunity to borrow. Because the threshold for applying for such small loans is generally low, some even need to provide an ID number or mobile phone number, and they can directly make a payment without review. However, most of these small loans are not very formal, and it is not recommended to apply for them, and they may encounter loan sharks and fraudsters, resulting in damage to personal money.

It is better to choose a formal licensed loan platform for borrowing, which is more secure. For the case of insufficient comprehensive score, the application can be postponed, the problem of personal credit can be solved, and then borrowed after being dealt with, and the loan should be able to be smoothly obtained. For example, if you have bad credit, you should be patient and spend time to accumulate a good record, and if you have too much debt, you should repay your debts in time and reduce your debts.

Generally, everyone who uses the central bank's credit record will leave traces of inquiry, which is more unfavorable for borrowing friends, and most of the online loans are not on the credit report, so the credit can not find specific online loan information, but now you can also understand your personal data through the "Xiaoqi letter check" data, and you can also learn more about online loan overdue information, application records, dishonesty information, online loan blacklist and other information without leaving traces.

3. Will I sue if my online loan is overdue?

The platform has the right to sue after the overdue time of the online loan is generally more than three months, but it will not sue immediately after three months. Unless it is too long overdue, the amount owed is also very high, and the platform has not responded to the reminder many times, then it may be sued.

Once sued, if the repayment is not made by the court judgment, the court may enforce it, and may even list the borrower as a dishonest person. It should also be noted that overdue itself will also have serious adverse effects, and penalty interest will be charged until the arrears are paid off, and personal credit will also be damaged due to overdue.

Reminder: Try to withdraw the full amount after the quota is issued, because risk control is dynamic. There are not many loans that can be released now, and it is recommended that you withdraw the full amount if you need it. After the first installment, early settlement and repayment are supported.

Many people don't have enough money to spend, you can try the following two platforms, which are also more formal licensed financial institutions! The audit is relatively less rigorous! 360 IOU is a financial subsidiary of 360 antivirus software, and installment music is owned by Lexin, both of which are large companies.

360 IOUs can borrow up to 200,000!

Hello, if you are in need of money, you can consider taking out a loan to relieve stress, and at the same time, you should also do what you can and work hard to make money. Now there are many ways to apply for a loan, you can apply for a bank loan through a mortgage, and a more convenient way is to apply for a personal credit loan. There are online loan platforms with high credibility and fast audit(It is recommended to collect it in case you need it).

1.There is money to spend2.Pat Pat Loan

The brand plan of Paipai to help young people work hard and grow, including the Paipai Thousands of People Fighting Hard** and Young Plan, etc., and the borrowing services of the Paipai platform include general loans and other loans for the majority of individual users, with a maximum loan amount of 180,000 yuan(Click on the official link to receive the benefit test quota)., the lending process has been highly automated; The cumulative number of registered users has exceeded 100 million. It is a loan matching service platform chosen by many users in China.

3.Ease flowers4.Also5.China Post Wallet

Whether the Ant Borrowing application can be approved depends on the comprehensive score of the system, and active users with good credit conditions can generally get the Ant Borrowing quota, and the amount of the quota must also be determined by the system's review.

The reasons for the failure of the ant borrowing application may be:

1. For real-name authentication, it is best to submit personal ID card**, portrait**, perfect identity information, identity verification, etc.

2. Alipay's comprehensive score is too low, the frequency of using Alipay is too low, or the activity in other aspects is not enough;

3. Bad personal credit, overdue credit cards, loans or other bad credit behaviors.

It may be that the usual credit is not enough to cause the borrowing review to not pass.

If the loan fails, the page shows that the service institution has failed to pass the review, indicating that the user has not passed the approval of the lending institution and therefore cannot obtain the loan funds.

The borrowing page has a loan limit, and the financial institution that provides the loan service will review it after submitting the loan application, and the user may not be able to pass the review due to poor credit qualifications.

When borrowing to obtain the loan amount, there is no need to check the user's credit report, so the financial institution cannot know the user's personal credit information. After submitting the loan application, it is necessary to authorize the inquiry of personal credit, and if the user's credit is bad, then it will not be able to pass the loan review of the financial institution.

Moreover, financial institutions will conduct a comprehensive assessment based on the user's credit qualifications, and it is normal for the financial institution to fail the review.

Since the previous loan review did not pass the review, it is recommended that users apply for borrowing after a certain period of time. Repeated applications for borrowing in a short period of time are not conducive to passing the review, and may spoil personal credit information.

Extended Materials: Borrowing"Current name Credit Loan''It is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. 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.

On January 9, 2018, perhaps due to excessive leverage and violation of relevant regulatory regulations of the central bank, some users were voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that Alipay"Borrow"The name has been changed to"Line of Credit"。In response, Alipay's customer service responded that in order to facilitate you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to"Line of Credit"and display the name of the financial institution on the credit page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrow"It is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, 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 are mainly for installments in the consumption scenarios of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and it can basically be withdrawn after 10 days, generally on the 1-10th limit;

But there are still netizens complaining about Uncle Ma Yun; 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.

Summary. Hello, the reason for the failure of the borrowing review may be:

1. Do not meet the application conditions for borrowing, such as the applicant Alipay has not real-name authentication, is under the age of 18, etc.;

2. If the applicant fails to pass the comprehensive qualification assessment of the system, if the applicant's sesame credit score is not enough or the previous use of Huabei is overdue, then the review may also be rejected.

The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

I hope mine can help you.

What is the reason for the failure of the Alipay borrowing service agency?

Hello The reasons for the failure to pass the review of borrowing Jian Hongbei may be: 1. It does not meet the application conditions for borrowing, such as the applicant's Alipay has not been verified by his real name, and the age barrier is under the age of 18; 2. If the applicant fails to pass the comprehensive qualification assessment of the Shouning system, if the applicant's sesame credit score is not enough or the previous use of Huabei is overdue, then the review may also be rejected. The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

I hope mine can help you.

There are no overdue returns.

Wait a minute, I'm checking it out for you.

1.Alipay users did not carry out real-name authentication, and users need to provide their personal ID cards** when registering Alipay, as well as perfect information about filial piety, and these users did not submit this information, so the prudent world core did not pass. 2.

The comprehensive score of Alipay users is very low, and the frequency of these users using Alipay is very low, and the activity is very low. 3.Alipay users have a bad record of borrowing money on other platforms, which may cause users to fail the platform's review.

4.The borrower will also check the user's sesame credit score, and when the Alipay user's sesame credit score reaches more than 600 points, they cannot apply for a loan on the platform.

This is for you to find out, you can refer to the borrowing system according to the user's account situation review, manual intervention can not be done.

Summary. Hello, it is a pleasure to serve you, I am trying to sort out the answer, please wait a little 2 minutes.

Hello, it is a pleasure to serve you, I am trying to sort out the answer, please wait a little 2 minutes.

Hello, the reason why the Alipay borrowing service agency failed to pass the review is because your credit investigation and big data do not meet the requirements.

It can still be used in the previous month, and now it shows that there is a quota that shows that the service organization has not passed.

Borrowing this update to access the credit information system, this is your credit and big data problems.

My Alipay has never been overdue, Sesame Credit 693

Now Huabei can be used, but borrowing can't be used.

That's the big data problem, which happens when you take out loans on a regular basis, or when you browse for loans**.

The service agency that can be used before is not Ping An Bank After the update, the current service agency is Ping An Bank.

Yes, now the state is in control, so it is strictly controlled.

It's because after the update, the service agency Ping An Bank needs to be reviewed, is that so?

That's right. How long does the review take?

This still depends on big data, some for a few days, some for a few months.

Summary. Hello dear, here's why:

1.Alipay users did not carry out real-name authentication, and users need to provide their personal ID cards** and complete information when registering Alipay, but these users did not submit this information, so the review failed.

2.The comprehensive score of Alipay users is very low, and the frequency of these users using Alipay is very low, and the activity is very low.

3.Alipay users have a bad record of borrowing money on other platforms, which may cause users to fail the platform's review.

4.When the sesame credit score of Alipay users does not reach more than 600 points, they cannot apply for a loan on the platform.

What is the reason for the failure of the Alipay borrowing service agency?

Hello dear, the reasons are as follows:1Alipay users did not carry out real-name authentication, and users need to provide their personal ID cards** and complete information when registering Alipay, but these users did not submit this information, so the review failed.

2.The comprehensive score of Zhizhixiao Fupay users is very low, and the frequency of these users using Alipay is very low, and the activity is very low. 3.

Alipay users have a bad record of borrowing money on other platforms, which may cause users to fail the platform's review. 4.When Alipay's sesame credit score does not reach more than 600 points, it cannot apply for a loan on the platform.

Dear, I hope the above can help you, thank you! Have a great day!

I used to be able to borrow it.

You can't borrow it now.

If so, the system will consider you to be a high-risk customer and will close your permissions.

The fact that the borrowing quota is being evaluated does not mean that it has been successful, it simply means that your application is being reviewed and evaluated. During the evaluation process, the bank will consider your credit history, income, borrowing history and other factors to decide whether to give you a borrowing limit. Therefore, you need to be patient and wait for the bank's review results during the evaluation period.

If your borrowing quota is approved, you will be able to use the borrowing quota to spend and borrow. If the assessment is not successful, you may need to learn more about the specific reasons of the bank and take steps to improve your credit profile so that you can get a higher limit when you reapply in the future.

In short, the fact that the borrowing amount is being evaluated does not mean that it is successful, and the final result still needs to wait for the bank's review results.

If you have overdue records online, or have loan records from multiple platforms, then your various records will be controlled by big data risk, and even Huabei will be closed when your online loan platform often rejects you. If there is an abnormality in your online black data, you can find: Kingfisher data, you can get your own big data and credit status, you can obtain various indicator data, you can query your own personal credit status, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, and other important data information.