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.

Meituan. There is a limit for borrowing money but it can't be borrowed, 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 borrows money as long as it is approved, it will show the amount, there is a quota but it may not be able to lend out, it needs to be reviewed when borrowing money, if the applicant fails to pass the comprehensive assessment, it will not be able to apply for a loan, the comprehensive assessment is to check the applicant's credit in recent months as the basis, most of them are debt ratios.

high and personal credit reporting.

Affected by.

If you want to borrow successfully, you need to maintain your good credit, reduce your debt ratio, and improve your personal information. That's all for the content of Meituan's borrowing quota that can't be borrowed, and maintaining a good credit is the most important thing.

Supplementary information: What is the reason for the failure of Meituan's loan with a quota?

1. Limited amount: Meituan borrowed money by Chongqing Sankuai Microfinance Company.

If the loan is tight and the funds are insufficient, it will lead to the failure of the loan. Therefore, it is best to choose the time period when the loan is fast to apply, at this time it means that the funds are ***, if it has been delayed and has not arrived, you should pay attention.

2. The applicant's qualifications are not good enough: it does not mean that there is a credit line.

It will definitely be approved, and among the same users, the platform will definitely give priority to lending to those with good qualifications, and this phenomenon is not only the case with Meituan borrowing money, but also with many platforms.

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.

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 does not borrow money, mainly because the user did not pass the system review. After the user submits the loan application, the system will conduct a comprehensive evaluation of the user's Meituan account. If the user meets the application conditions or has poor credit qualifications, the user will not be able to pass the system review.

Only after passing the system review can the user borrow money.

<>Therefore, the amount of money Meituan borrows does not necessarily mean that it will be able to borrow money. When applying for a Meituan loan, users need to pay attention to the results displayed on the page. It should be known that Meituan has a borrowing limit, which only means that users are eligible to borrow, not that they will definitely be able to borrow.

Moreover, during the review process, the system will conduct a comprehensive assessment of the credit qualification status of the user's account, so the audit failure is generally caused by a variety of factors.

In general, there are many reasons why Meituan loans fail. For example, after a loan fails, users are advised to wait for a while before applying for a loan. After a period of time, the results of the review may change.

Meituan's commercial loans have a quota but cannot be borrowed, which may be because the materials submitted by the applicant cannot pass Meituan's loan review. For example, incomplete materials, high debts, poor personal credit, etc., may lead to the inability to borrow loans. When borrowing, it is best to fill in your personal information as required by Meituan.

If you have good credit, the success rate of borrowing will be higher. Meituan's commercial loan has a quota but cannot be borrowed, probably because the materials submitted by the applicant cannot pass Meituan's loan review. For example, incomplete materials, high debts, poor personal credit, etc., may lead to the inability to borrow loans.

Do a detailed explanation of the problem for a detailed interpretation of the problem, I hope it will help you, if there are any questions, you can leave me a message in the comment area, you can comment with me more, if there is something wrong, you can also interact with me more, if you like the author, you can also follow me, the like is the biggest help to me, thank you.

Meituan now also has a certain quota, but these quotas need to be verified after real-name authentication. Complete the review before you can borrow.

I think the best thing to do is to complete your personal information, and then you can successfully lend out your money.

In this case, it means that your personal information has not yet been authenticated, as long as you upload the real-name authentication, you can use it normally.

Online loans are always scams, and they are suddenly closed in the middle, and they are dead.

It's all a lie, never trust online loans.

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.

Here's why:1If the credit is damaged due to the recent overdue repayment, the system will freeze the quota.

2.If the borrowing amount is less than 500 yuan, Meituan has a rule on borrowing money, and the minimum amount of a single loan is 500 yuan.

3.Frequent borrowing is too much, there is a situation of long borrowing, and many loans under the name have not been paid off, and the personal debt ratio is quite high.

4.The system risk control is the expiration of the authentication identity information, frequent modification of account information, and the login of the total replacement device.

5.The platform has a limited daily loan limit.

Extended Information] Meituan's mission is to "help everyone eat better and live a better life together". As a leading e-commerce platform for life services in China, the company owns well-known consumer apps such as Meituan, Dianping, and Meituan Takeaway, and its services cover more than 200 categories such as catering, takeaway, fresh retail, taxi-hailing, bicycle sharing, hotel tourism, movies, leisure and entertainment, and its business covers 2,800 counties, districts and cities across the country.

Under the influence of the epidemic, Meituan launched the "Spring Return Plan" and launched six major measures to help resume work and stabilize employment. The "Spring Return Plan" includes: providing more than 200,000 jobs across the country through a combination of long-term employment and flexible employment; Provide a green channel for local employment for the poor who have registered for the card; Recruit more than 1,000 fresh college graduates; More than 3,000 social recruitment positions have been opened; Provide employment information docking services for merchants and practitioners; Provide first-class vocational training for tens of millions of practitioners.

On August 7, Meituan's "Spring Return Plan" was upgraded, adding 500,000 flexible jobs, and providing more than 2,000 school-recruited jobs and more than 5,000 social recruitment positions.

Founded in 2019, Meituan University is a "comprehensive university" in the field of life services, and is committed to becoming a base camp for digital talents in the life service industry. During the epidemic, Meituan University launched the "Merchant Refueling Program", with more than 300 live broadcasts covering 25 provinces across the country. and set up a live broadcast of the "Spring Breeze Lecture Hall", inviting experts and merchants to share digital business practices, with more than 12 million person-times; Selected as one of the first batch of online platforms for vocational skills training by the Ministry of Human Resources and Social Security, all courses are open for free.