How to recover Haier s financial quota if it is frozen

According to the official statement of Zhaolian Financial, the overdue repayment of the account or the second assessment does not meet the requirements will lead to the freezing of the quota. Therefore, everyone has to restore the quota for different reasons.

The account is overdue.

1. For those whose accounts are overdue and have frozen accounts, they need to pay off the arrears in accordance with the regulations;

2. After paying off the arrears, see if the credit line can be used normally.

3. If the quota does not return to normal, you need to wait patiently for a period of time before trying.

The second assessment does not meet the requirements.

1. For those who do not meet the requirements of the second assessment, the first thing to do is to improve their comprehensive credit score, such as supplementing information, accumulating loan records through other channels, increasing their personal income, etc.;

2. After persisting for about three months, everyone will try to apply for Zhaolian Financial again to see if the quota can be unfrozen.

There is a limit, and there may be the following situations when you cannot take out a loan:

1.Severely overdue.

If there is an occasional overdue, although the overdue record will be displayed in the credit report, as long as you repay the loan in a timely manner and no more overdue behaviors occur, the impact of this overdue may be reduced. However, if your loan (or credit card) repayment is overdue for 3 consecutive months, or 6 times in total, the financial institution or borrowing platform will generally judge that it is seriously overdue. Once there is a significant overdue record on the credit check record, it can be difficult to get a loan application approved.

2.vouch for others.

If it is a guarantee between friends, the friend's performance of the obligations as agreed or the guarantor's performance of the guarantee liability as agreed does not affect the credit investigation. However, if a guarantee from a bank or other financial institution is involved, the guarantor's credit check will have a record of liability. So be careful before you vouch for someone else.

First of all, we need to seriously consider the other party's ability to repay. Second, the amount guaranteed cannot exceed their ability to prevent themselves from getting into trouble.

3.Have multiple loan records.

When you apply for a loan, it will be a red flag if the lending platform finds out that you are currently in debt on multiple platforms. The platform you apply for a loan will reject you because of your ability to repay.

Everyone will have a time when funds are tight, if you need money urgently, you can get a loan through the following methods: apply for an online loan to borrow money: most online loans are credit loans, no need for guarantees and collateral, such as borrowing, micro loans, Jingdong gold bars, the speed of the next payment after the application is successful, and you can usually borrow money on the same day.

Du Xiaoman Finance: Money to spend is a personal consumption credit service product launched, you can get the limit after submitting personal information, and the fastest 30 seconds for review.

Currently,The amount of money to spend can be up to 200,000 yuan, and the annualized interest is as low as:,The specific loanable amount is not officially given, and the limit of most users who have money to spend is generally about 30,000 yuan, and the limit of some users is more than 70,000.

360 IOU: 360 IOU can borrow up to 200,000 yuan. The minimum daily interest rate for 360 IOUs is: However, the actual interest rate depends on the comprehensive qualifications of the borrower, and many people have applied for a loan on a 360 IOU.

4.Low repayment capacity.

The ability to repay is also one of the main indicators of the loan platform. When you submit your loan application data to the lending platform, the other party's reviewer silently assesses your ability to repay. If you apply for a loan amount that is higher but do not have a stable economy**, your application will also be denied.