What happens if the loan review fails in Wanka, and can I borrow again?

If the audit fails, it means that your qualification has not yet reached the audit qualification of Vanka. You can apply again after a while.

Failure to apply for a line of credit on Wanka may be related to the following factors:

1. It may be that your review did not pass and your qualifications did not meet the requirements, so the loan failed.

2. Wanka will review it many times, and will re-examine it before the loan, and if you are found to have a credit stain, it is also possible to cancel the loan.

3. Wanka changed the borrower's application requirements, resulting in the failure of the previous loan. Vanka Loan has strict review criteria, which are based on a comprehensive evaluation based on the information authorized by the applicant.

1. Precautions for borrowing from Wanka:

According to the relevanceLaws and Regulationsand regulatory requirements, the borrower shall fulfill the following obligations:

1. Provide true, accurate and complete user information and financing information;

2. Provide information on all outstanding loans;

3. Ensure that the financing project is true and legal, and use the loan funds according to the agreed purpose, and shall not be used for other purposes such as lending;

4. Truthfully report material information that affects or may affect the rights and interests of the fund provider in accordance with the agreement;

5. Ensure that you have the ability to repay the loan amount and repay the loan in accordance with the contract;

6. Other obligations stipulated in the loan contract and related agreements.

2. Consequences of overdue in Wanka:

1. If the borrower is overdue or defaults, the creditor has the right to recover the loan in advance and require the borrower to bear the overdue interest and liquidated damages.

and other fees. 2. If the borrower is overdue or defaults, the creditor and its entrusting person have the right to recover from the borrower through judicial means; If the borrower loses the lawsuit, it shall bear all the costs of the creditor's rights protection (including but not limited to collection service fees and attorney fees).

Litigation preservation fees and litigation fees.

etc.). 3. If the borrower still refuses to execute the judgment or award after it takes effect, it will be included in the list of judgment defaulters.

Judgment defaulters may face the following consequences:

1) Prohibit some high-consumption behaviors, including prohibiting taking planes and soft sleepers on trains.

2) Implement other credit sanctions, including restrictions on loans or credit cards from financial institutions;

3) Where judgment defaulters are natural persons, they must not serve as the enterprise's legally-designated representatives, directors, supervisors, or senior managers.

etc.). 4) Other restrictive behaviors stipulated by laws and regulations.

4. Relevant information about the borrower's default and dishonesty will be disclosed and blacklisted in financial institutions such as intermediaries that provide services or banks that provide funds.

In addition, information on the borrower's default and untrustworthiness may be reported to industry associations, financial regulatory departments, Baihang Credit Investigation, and the People's Bank of China Credit Information Center.

Other credit reporting agencies will seriously affect the borrower's credit record.

According to my experience, the failure of the Wanka review may be caused by your incomplete information, you can go to the Wanka "My", and then click "Increase Limit" to provide more personal information, and submit the Wanka to re-review the loan after a while.

Is it because you have a bad credit record that you failed the audit? Nowadays, many products are associated with credit reporting, and bad credit reporting will affect the review of Vanka. Keep a good credit history and reapply again after three months, and you may be approved.

Jiufu Wanka has been under review, which may be caused by too many applicants, and the system is still being reviewed one by one, so you just need to wait patiently. In general, the review time of Jiufu Wanka is generally within 3 working days, and the loan time is about 3 working days, and it will not exceed 3 days at the latest.

<> The difference between the review failure and the loan failure is that the audit failure is usually the incomplete information, and the loan failure is a problem with the bank card.

1. Failed review: Wanka loan has strict review standards, which is comprehensively evaluated according to the information authorized by the applicant. If the audit fails, it means that your qualifications have not yet reached the qualification of Vanka.

Failure to meet the qualifications is related to many factors, such as imperfect information, untrue, etc., to figure out the reason, you can still apply again after a period of time.

2. Loan failure: After the loan failure of Jiufu Wanka, the page will also display the order cancellation, which means that the user's loan application has failed. Since there are many reasons for loan failure, users need to solve the problem before applying for a loan again, and then apply for a loan after the problem is solved, and the probability of passing the review and successful loan will increase.

And the user can pass the review every time, but the loan fails, then there is usually a problem with the receiving bank card. If there is a problem with the receiving bank card, the user can change the bound bank card, so that the lender can lend normally.

3. When Wanka lends money, some users will receive a return visit from Wanka. If the user refuses to receive or misses the return visit of Vanka**, it will cause the loan to fail to be disbursed by Vancard. Under normal circumstances, after the review is successful, as long as the return visit of Wanka is answered in time**, the loan will be released quickly.

If Vanka does not lend money for a long time, the user needs to contact Vanka's manual customer service to understand the reason for not lending for a long time and solve the problem through customer service. When using the loan services provided by Wanka, users need to repay the loan on time and must not be overdue. Because Wanka is connected to the personal credit system of the People's Bank of China, if the user is overdue, the overdue record will be uploaded to the personal credit system of the People's Bank of China.

4. If the user has an overdue record in the personal credit information system of the People's Bank of China, the user will be restricted from all high-consumption behaviors and cannot use the loan services and credit card services provided by the bank. Users will not be able to join large enterprises, and their children will not be able to attend high-cost private schools. After the Wanka is successfully approved, the loan can be disbursed.

However, there will be many special circumstances in the actual loan, which are beyond the control of human power, and users can only wait patiently. If the waiting time is too long, you can only contact Vanka's human customer service to solve the problem.

It is not advisable to repeat the application for a short period of time. If the loan review fails, it is recommended that the user apply again after a period of time, and the most likely reason for the loan failure is that the user's qualification is unqualified, and the user can improve the qualification before applying. If you apply immediately after the loan fails, you will likely be rejected again because the user's qualifications have not improved.

Taking the Wanka version, Apple 13 (system), Huawei Mate40 (HarmonyOS2 system) as an example, Jiufu Wanka is a credit product under Jiufu Group, mainly to provide users with loan services, Jiufu Wanka is a formal licensed financial institution loan, has been connected to the central bank's credit system, users are overdue, will produce overdue records on the credit report. The consequences of overdue Jiufu Wanka are as follows:

1. Penalty interest and liquidated damages. After the online loan is overdue, the platform will charge the borrower overdue interest, and the overdue interest rate is usually much higher than the actual loan interest rate, and the platform will also charge liquidated damages or late fees, and the longer the time, the more overdue fees will be generated.

2. Damaged credit. Nowadays, many online loan platforms are on the credit report, and if the borrower is overdue, then the loan platform may upload the user's overdue record to the central bank's credit system, which will leave a bad record for personal credit.

3. Being collected by various kinds. Whether it is a bank loan or an online loan, after the borrower is overdue, the platform will collect through SMS, **, etc., and even encounter door-to-door collection, and various collection methods will affect the normal life of the borrower.

If the loan fails to lend to Wanka, it is recommended that users apply again after a period of time (usually 1-3 months), and users can improve their personal qualifications during this time, and then apply, and the probability of success will increase. If the loan fails due to the abnormal status of the bank card, you can change the bank card and apply again the next day.

Vanka is an information service platform operated by Zhuhai Vanka Consumer Technology Co., Ltd., and is a connector connecting users, scenarios and financial institutions. Users can obtain a certain amount of borrowing through real-name authentication and risk assessment, and enjoy services such as quota installment, ** shopping installment, credit card management, etc., linking all users and scenarios of Jiufu.

Users need to note that Wanka has been connected to the personal credit system of the People's Bank of China, and if the user is overdue, the overdue record will be uploaded to the personal credit system of the People's Bank of China. After the personal credit becomes bad, it will affect the subsequent loan processing, and it will be kept for 5 years after the overdue return, and after the arrears are paid off, the overdue record will automatically disappear after 5 years.

The above takes the Vanka version, Apple 13 (system), and Huawei Mate40 (HarmonyOS2 system) as examples.