Why can t Meituan borrow money if it has a quota?

Friends who often order takeout should be no stranger to Meituan Takeaway, which can not only order food, entertainment, but also submit applications. Recently, some friends have indicated that they have a credit limit for Meituan to borrow, but they can't borrow it, so what's the matter if Meituan can't borrow it? It may be that these points have been hit.

1. Limited quota: Meituan's loan is made by Chongqing Sankuai Microfinance Company, and if the quota is tight and the funds are insufficient, it will lead to loan failure. Therefore, it is best to choose the time period when the loan is fast to apply, if it has been delayed and has not arrived, you should pay attention, it is likely to be rejected.

2. The applicant's qualifications are insufficient: when the applicant's qualifications are insufficient, the comprehensive score will be insufficient, and the comprehensive score of Meituan's borrowing is derived from the system evaluation, if the applicant's credit status is not good, there are overdue records, personal debts are too high, the repayment ability is insufficient, the income is low, and the activity in Meituan is not enough, etc., it may lead to the situation that Meituan cannot borrow money with a quota. 3. The bound bank card is wrong

If none of the above situations are available, but the loan still fails, you can check whether there is a problem with the bank card bound to the loan, whether it is a bank card supported by the platform or whether the card itself has been frozen or cancelled. 4. System upgrade: Occasionally, the platform system upgrade may lead to the inability to borrow, you can wait for a while or directly consult Meituan customer service in the background.

1. The applicant's qualifications are insufficient: If the applicant's qualifications are insufficient, it will indicate that the applicant's comprehensive score is insufficient, and the comprehensive score of Meituan's borrowing is derived from the system evaluation and is the basis for assessing whether the applicant is currently qualified to borrow money, so the applicant's credit status is not good, there are overdue records, personal debts are too high, repayment ability is insufficient, income is low, and there is not enough activity in Meituan, etc., which may lead to Meituan borrowing money and not being able to borrow money.

2. There is a problem with the bound bank card: If the applicant has passed the qualification, but still fails to lend, then it is likely that there is a problem with the bank card bound to the loan, and you can check whether the bank card bound to the loan is a bank card supported by the platform or whether the card itself has been frozen or cancelled.

How can I borrow money if I don't have enough qualifications?

1. If you want to successfully apply for a loan, good credit is the premise, so you must maintain a good credit record, and if there is an overdue loan, you must settle it in time;

2. The debt should not be too high, and the personal debt ratio can be appropriately reduced before applying.

the number of orders, or use Dianping.

Make relevant purchases and prove your spending level;

4. Reduce the number of loan applications, or stop applying for various credit products, and do not have too many hard inquiry records on the credit report, otherwise the credit investigation will affect the review of the loan.

Finally, it is recommended that if the application fails, you can try to borrow again after 3 months, and you must improve the comprehensive score within these 3 months to improve the payment rate.

Extended information: The maximum amount that Meituan can borrow is 50,000 yuan, and the first time Meituan can borrow money will be between 5,000 yuan and 10,000 yuan. Accumulating good credit can help increase the amount of money that Meituan can borrow, but if it is overdue, the amount of money that Meituan can borrow may also be reduced or even reduced to zero.

Meituan has a quota for borrowing money but can't borrow it, mainly because the user has not passed the system's review. Meituan has a quota for borrowing money, which means that the user has obtained the borrowing qualification, and the borrowing qualification does not mean that the user will definitely be able to obtain the loan through the review. When the system audits, it will comprehensively evaluate the credit qualification status of the user's account, so the failure of the review is generally caused by a combination of factors.

If Meituan's loan fails to pass the loan review, users can choose to apply for a loan at an interval of time, and then apply again after a certain period of time, and the review result may change.

Meituan has started its own financial system layout a few years ago, and the payment method can choose Meituan payment, and if the balance is insufficient, you can borrow a small amount from the Meituan app, and the borrowing process is the same as Huabei: if you are nervous, you can advance the amount from Meituan first, and repay it within the time limit. Its essence is a microfinance business.

From the loan agreement provided by Meituan, we can see that Meituan's microfinance service is provided by Chongqing Meituan Sankuai Micro Loan****, and it can be found from Tianyan that its business scope includes: carrying out various loans, bill discounting, fund transfer and equity investment with free funds, etc., which shows that Meituan, a microfinance company, can carry out related borrowing business.

Extended information: 1. Conditions for Meituan to borrow money.

1. The applicant is over 18 years old, has full capacity for civil conduct, and is a citizen of Chinese mainland;

2. The applicant must be a senior user of Meituan and have a relatively stable consumption record in Meituan;

4. Applicants need to have good personal credit;

5. The applicant has a stable job and can repay the loan on time with personal income.

2. Meituan's method of borrowing money.

3. After entering the wallet, you can see the borrowing function below in the wallet function, and directly click Borrow Now.

4. After clicking on the loan, you can see that there is a loanable balance in the loan, which is the maximum balance you can borrow.

5. After clicking the function button of borrowing money, you can see that you need to enter the balance you borrowed, and then how long to borrow and how to repay, etc., and you need to select the loan card at the same time.

Meituan has a quota for living expenses, but it says that the comprehensive score is insufficient for the following reasons:

1. Not meeting the application conditions: To apply for Meituan living expenses, the applicant must be 20-50 years old, if there is a quota at the beginning, but the re-borrowing shows insufficient scores, it may be because the borrower is overage or under the age and cannot continue to use Meituan living expenses.

2. There is a problem with the credit report: When submitting the application, Meituan Living Expenses will check the applicant's personal credit information, and if there are bad records such as overdue in the personal credit information, the application will be rejected directly. Therefore, users can continue to apply after settling the overdue loan and maintaining credit, if you don't know much about your credit situation, you can click to check immediately to quickly get your own personal credit report.

3. Debt: If the borrower uses other credit services of Meituan at the same time, the credit line is occupied more, or the individual has other outstanding loans, resulting in the borrower's debt ratio being too high, and the borrower cannot pass the review of the system and cannot borrow again.

4. A large number of online loan records: Meituan's living expenses are very important to personal repayment ability, if there are a large number of online loan records in the personal credit report, the applicant will be considered financially negative, and will also refuse to apply, wanting to successfully apply for a loan.

Here's how to fix it:

1.If it is caused by bad credit, such as personal credit damage caused by overdue repayment recently, it may be difficult to borrow in a short period of time, and customers need to pay off the arrears quickly and then repair their credit. When the personal credit level improves, then there will be a chance to borrow, and it is best for the customer to maintain credit for about three to six months.

2.If the long borrowing situation is caused by too many frequent borrowing, and the debt is too high, then the customer can suspend for three months not to apply for a new loan, and at the same time find a way to pay off the debt in the name during this period (try to repay as much as possible if it can't be paid off for a while), and wait for three months to pass, the credit (big data) "flower" situation is improved, the personal debt ratio decreases, and then it should be able to borrow.

The main reason for the lack of comprehensive score is the credit problem, and the user tries to improve his personal credit as much as possible and then re-applies again.

If Meituan can't borrow money, it is likely to be caused by the following reasons:

1.The customer's recent repayment of the credit products under his name failed to be repaid on time within the specified time limit, and the situation was overdue, resulting in damage to personal credit and the system froze the quota.

2.The account can borrow less than 500 yuan, while Meituan has a rule that the minimum amount of a single loan is 500 yuan.

3.Due to the frequent borrowing of too much in recent times, resulting in long borrowing, and many loans under the name have not been paid off, the personal debt ratio has risen quite high, so the system is worried about the insufficient repayment ability of customers.

4.The authentication identity information has expired, or the account information is frequently modified (changing the bank card, changing the mobile phone number, etc.), and the total change of equipment login, etc., resulting in a lot of account risks, so that the system implements risk control.

5.The platform limits the daily loan limit, and the customer has already exhausted the amount of the loan on the same day when the customer applies for a loan.

The reason why the Meituan business loan cannot be repaid is that the business condition of the store under the borrower's name has deteriorated or has been closed, and in order to successfully borrow the Meituan business loan, the borrower needs to have a business license and can find his store in Meituan reviews, and the store should be in normal business state. If the borrower's store is operating abnormally, or if the borrower goes offline on Meituan Dianping and pays off the Meituan commercial loan, he cannot borrow again, and there must be no loan limit.

The borrower is late in making repayments. If the borrower fails to repay the loan on time when using the Meituan business loan and has a late repayment record, it can also be repaid after repayment.

The borrower is too old, and the age requirement for Meituan Business Loan borrowers is 20-60 years old. If you are over 60 years old and cannot meet the loan requirements, the loan amount will also be cleared. If the borrower applies for a loan again immediately after paying off the Meituan Business Loan, the system may not have time to update the borrower's available limit, resulting in no available credit when the borrower applies for the loan.

There is no quota after the Meituan business loan is paid off, and there are basically four situations. When borrowing, you should maintain good personal credit and repayment ability. The shop should operate normally and maintain a good business flow.

This way, if you want to apply for a Meituan business loan, it will be easier to pass the review.

This indicates that there is a problem with your own credit investigation.