Why can t I borrow money if I have a credit limit?

1.The borrowing limit of the account is less than 100 yuan. Because the minimum amount of a single loan is 100 yuan (the maximum is 40,000 yuan, which must be an integer multiple of 100).

2.There are more than 20 outstanding loans. Because WeLoan stipulates that there cannot be more than 20 outstanding loans in a single channel (if the customer has WeLoan in WeChat and QQ, then the WeChat side can borrow up to 20 loans, and the QQ side can also borrow up to 20 loans).

3.If the customer's credit is not good, he may not be able to repay the credit products under his name on time recently, and there has been overdue behavior, resulting in personal credit damage, and the quota is frozen by the system, so that it can no longer be used.

4.Recently, frequent loans have been taken out too many times, resulting in long loans, and credit investigation has become "spent", and because many loans under the name have not been paid off, resulting in personal debt ratio.

Higher. As a result, the system is worried about the customer's unstable financial life and insufficient repayment ability, so it refuses to approve the loan.

Relatively easy to apply for a microfinance platform:

IOUs. 360 finance should be more familiar to everyone, the launch of this 360 IOU, is a pure credit small loan, can meet the credit conditions of customers 500 200,000 yuan of loans, the system according to the borrower's credit risk, payment habits, consumption comprehensive assessment of credit, within the limit of the loan application, the fastest minutes can be approved, the fastest 1 hour to get the money.

2. Capricious loans.

Suning Financial has capricious payment and capricious loans, of which capricious loans are pure credit small loans, which can be applied for directly, with a maximum amount of 50,000 yuan, which can well meet the borrower's personal consumption needs such as shopping, travel, and education. **Authenticate personal information, you can borrow money if you have good credit, the system will automatically approve the loan, and you can get the money on the same day, which is suitable for emergency use.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" in June 2018), a big brand with reliable and low interest rates. The maximum amount of borrowing is up to 200,000 yuan (click on the official free test limit), the daily interest rate is as low as the start, and it has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security.

Tips: The above information is for reference only and does not provide any lending advice. In order to ensure the safety of funds and prevent routine loans, it is recommended that you choose a regular bank or a formal loan platform through your own judgment after a comprehensive understanding, and borrow reasonably according to your actual situation.

Micro Loan has a quota and cannot be borrowedReason:1. Application quotaIf the comprehensive evaluation of the system audit is not passed, it may be that there is a problem with the credit.

2. ApplicationMicro loansLater, the credit investigation ** was not received, and the payment was rejected; 3、Micro loansIt belongs to revolving credit, but it has been borrowed many times and has not been settled, which will affect the next borrowing. Micro Loan has a quota and cannot be borrowedReason:1. Application quotaIf the comprehensive evaluation of the system audit is not passed, it may be that there is a problem with the credit.

2. ApplicationMicro loan base reformLater, the credit investigation ** was not received, and the payment was rejected; 3、Micro loansIt belongs to revolving credit, but it has been borrowed many times and has not been settled, which will affect the next borrowing. Micro Loan has a quota and cannot be borrowedReason:1. Application quotaIf the comprehensive evaluation of the system audit is not passed, it may be that there is a problem with the credit.

2. ApplicationMicro loansLater, the credit investigation ** was not received, and the payment was rejected; 3、Micro loansIt belongs to the revolving base dry credit, but the number of borrowings is too much, and it has not been settled, which will affect the next borrowing. Micro Loan has a quota and cannot be borrowedReason:1. Application quotaIf the comprehensive evaluation of the system audit is not passed, it may be that there is a problem with the credit.

2. ApplicationMicro loansLater, the credit investigation ** was not received, and the payment was rejected; 3、Micro loansIt belongs to revolving credit, but if you borrow too many times, you can't settle it, which will affect the next borrowing.

Summary. Hello dear! The failure to lend WeLoan is caused by the following reasons:

1. The customer has overdue behavior. 2. Insufficient customer income. 3. The customer's debt ratio is relatively high.

4. There is a change in the customer's personal information. 5. The customer has misappropriated the funds of the micro loan before. Therefore, if the customer's micro loan is frozen by the platform, you can contact the platform's customer service first to see where the specific problem is, and then apply for a loan after finding the problem, and don't blindly submit the application.

If the customer successfully applies for a micro loan, then the repayment must be made in accordance with the regulations, and once it is overdue, it will leave a non-performing loan record on the credit report, and will also be charged penalty interest by the platform, the longer the overdue time, the greater the impact on the customer. Therefore, customers should not blindly apply for micro loans, but need to take into account their own income situation and apply for loans reasonably within the scope of their income, so that they will not bring too much debt pressure to their future life and can effectively avoid customers from overdue.

Hello dear! The failure to lend micro loan is caused by the following reasons: 1. The customer has overdue behavior.

2. Insufficient customer income. 3. The customer's debt ratio is relatively high. 4. There is a change in the customer's personal information.

5. The customer has misappropriated the funds of Weisenkai Grain Loan before. Therefore, if the customer's micro loan is frozen by the platform, you can contact the platform's customer service first to see where the specific problem is, and then apply for a loan after finding the problem, and don't blindly submit the application. If the customer successfully applies for a micro loan, then it is necessary to repay the loan in accordance with the regulations, once it is overdue, it will leave a non-performing loan record on the credit report, and the platform will also charge penalty interest when searching for the same time, the longer the overdue time, the greater the impact of the calendar on the customer.

Therefore, customers should not blindly apply for micro loans, but need to take into account their own income situation and apply for loans reasonably within the scope of their income, so that they will not bring too much debt pressure to their future life and can effectively avoid customers from overdue.

Why can't I get a credit for micro loans?

Look at what I posted.

Or the overall score is insufficient.

Yes, this situation is very normal, there are many cases where the amount of money can not be borrowed, and sometimes the micro loan is not allowed to be reused by some people, because there are too many overdue now.

I have repaid the remaining repayment, and I can't borrow any more.

Prepayment is not possible.

Can't you get a loan if you repay your loan early?

Yes. If you repay the loan early, then you think you don't have the need for money and they can't make money, so they turn it off.

Then when can I refinance it?

It's hard to say this.,Look at the system evaluation.,Sometimes after a month, I can sometimes say two months.,Three months is not good.,Sometimes it's possible that you can't borrow it.。

The reasons are as follows: 1. There are outstanding loans. If the arrears have not been paid off, if you borrow again, the micro loan side will bear a higher risk.

If the borrowed funds cannot be recovered, it may affect the flow of funds throughout the company. Therefore, it is normal to borrow again without paying off the loan and be rejected by Micro Loan.

2. The reason for borrowing is not reasonable enough. The law prohibits lending institutions or organizations from using the loans they lend to engage in or invest in illegal activities. If the purpose of the loan is not filled in properly and legally when applying for a micro loan, you will also be rejected by the micro loan.

3. There is a problem with the business dealings with WeBank. This situation often leads to the fact that you have already opened a micro loan and have a certain credit limit, but you still can't get the loan. WeLoan is a small-amount online loan product launched by WeBank, which is still in the internal testing stage, so there are relatively few people who can open and use WeLoan.

Generally, the installer receives an invitation to open a micro loan before it can be opened and used.

Extended information: Internet lending, P2P online loan is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms.

It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

Qualification Risk. Online lending is different from financial institutions, financial institutions are "net capital" management, whether it is a bank or a trust company must have its own registered capital, its registered capital is less than hundreds of millions, more than a billion or even billions, and the registered capital is not used for operation, but a kind of guarantee, a kind of "threshold". However, due to the low threshold of online loan companies, there is no guiding opinion, and platform software can be bought in thousands to tens of thousands, and many people who owe a lot in private loans have bought a platform virtual borrower and virtual collateral items to attract investors to invest at high interest rates.

The high interest rate is generally at least 30% per annum, and some platforms reach 50% to 70%.

Manage risk. P2P lending may seem simple, but it is actually a more complex model than banks and other financial institutions. P2P online lending is an emerging industry and an innovative model in the financial industry, and its development history is only a few years, and the market has not reached the point of maturity.

Many investors and borrowers do not treat this financial product correctly, and just go for high returns, while those who need funds are rushing to cash out. As an online lending company itself, because the original intention of opening is only to make profits, its organizational structure lacks professional credit risk management personnel, and it does not have the knowledge and qualifications of loan risk management, so it is difficult to grasp and deal with the problems that arise in the process of platform operation, resulting in a large number of bad debts, and eventually it can only go bankrupt.

How to solve the problem that I can't borrow if I have a quota for micro loans?

As much as the amount of the micro loan is displayed, the amount of the amount that should be able to be lent out, and the amount will be restored immediately after repayment, why does early repayment lead to insufficient overall score? In general, the impact of early repayment on the overall score is not direct. However, early repayment is considered a breach of contract in the loan contract, and the lending institution will lose a certain amount of interest expense, which some lenders do not like very much.

Moreover, early repayment means that users do not need the quota very much, and the total amount of WeLoan is limited, and for the platform, the amount can be lent by the user instead of being idle in the account is the most profitable, so at this time, the loan platform will often put the quota to users who are more in need.

In addition, according to the feedback of some netizens, if the early repayment is paid off in full, the amount will basically be restored quickly, so you can also pay attention to it in the process of use, borrow the required money at one time, and try to repay the loan in installments or in full according to the agreement when repaying.

There is also a situation where the user's credit report is overdue, or the credit service of WeChat is in default, which will lead to the freezing of the quota and the unusability. In this case, it is best for users to settle the arrears quickly, deal with the default, and then slowly recover the quota through good WeChat usage habits.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!