What if you have money to spend the quota and don t recover, and what if you have money to spend and

There are four types of situations in which the amount of money to spend is not restored or the amount is 0:

1.The credit limit will only be restored after the entire loan is fully repaid; If you need to borrow again, you can re-apply for the limit after the loan is repaid, and you can borrow again.

2.After the user applies for the reduction, it will be completed in about 3 working days, and the user cannot take the initiative to apply for restoration.

3.Full Easy Loan and Premium Loan are shared quotas, one of the products operates the loan, and the other product quota will also be occupied at the same time;

4.In the event of overdue or other bad credit circumstances, the system may cancel or reduce the limit. The details are subject to system approval, and manual intervention cannot be made.

If you have money to spend, you need to pay off all the arrears before you can apply for a loan again, and some high-quality users will have the privilege of recovering the limit immediately. In addition, the following situations will also make the quota unable to be restored in time:1

Apply for a reduction in the short term. The reduction will be completed in about 3 working days, and you cannot apply for the recovery of the quota during this period. 2.

If you borrow money from multiple products at the same time, one of the products will borrow money, and the quota of the other product will also be occupied at the same time. 3.In the event of credit staining such as overdue, the system may cancel or reduce the limit.

Youqian Hua (formerly known as: Youqian Hua), is a credit service brand under Du Xiaoman Finance (formerly Finance), with a maximum borrowing limit of 200,000 and a minimum daily interest rate of 20,000.

The loan amount of the rich loan is 500 yuan to 200,000 yuan, the minimum daily interest rate, the minimum interest rate of 10,000 yuan is 2 yuan per day, the interest fee is transparent, and the daily interest is calculated to support early repayment. From the analysis of brand background, interest fee method, risk control and technical advantages, it is reliable to spend money, and the interest rate is low and trustworthy. There is no need for any pre-loan fees to spend, and manual intervention cannot be made to the amount given, so there is no manual application, manual amount increase and other operations.

If you have other questions about the quota, remember to contact the official customer service (95055) of Youqian Hua, don't trust private customer service, etc., and beware of scams.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

There are several reasons why there is no amount to spend money on:

1. The customer's personal credit record is poor.

If the customer's personal credit record is overdue, then the customer will not provide the customer with a loan limit, even if the money is given a loan limit, the customer with bad credit will be rejected by the platform when the loan is officially borrowed.

2. The customer's repayment ability is weak.

If the customer finds that the customer's current personal income is significantly reduced, or the user has recently incurred debts, the customer will be judged to have insufficient repayment ability and refuse to lend to the customer.

3. The personal information filled in by the customer is incomplete.

If the customer does not have the borrowing limit due to the incomplete personal information filled in by the customer, the platform will send a message to remind the customer to complete the personal information, and the customer only needs to fill in the personal information and submit the application again. It should be noted that the information filled in by the customer must be true and valid, otherwise there is no loan limit.

4. Age and identity restrictions of customers.

Youqian Hua only provides loan services for people between the ages of 18 and 55, but adult college students are not included, and Youqian Hua will not provide consumer installment loan services for college students.

"Money to spend" is a financial credit service brand of Du Xiaoman, which uses artificial intelligence and big data risk control technology to provide users with convenient, fast and reassuring borrowing services.

Extended information: The advantages of products with money to spend are as follows:

1. The loan amount is high: the loan amount can be as high as 200,000 yuan (subject to actual approval).

3. Transparent interest and flexible repayment: The loan starts from the daily interest rate, and supports a variety of repayment methods.

4. Secure borrowing: Personal information is encrypted throughout the process to provide customers with full protection.

Operating environment: Money-spent Apple 12 ios14 money-spent version.

1. The borrower applies for the service of reducing the quota. If a borrower who has money to spend applies for a reduction, it will generally take about 3 working days to complete the reduction. If you have money to spend on the rebate, you cannot apply for recovery immediately, and you need to wait for a period of time before you can apply for the reinstatement.

2. The borrower's repayment is overdue. If the borrower is late on repayment when using a loan with money to spend, the borrower's overall credit score will be significantly reduced, and the borrower may no longer be able to meet the loan requirements for money to spend, and the amount will not be restored even if the loan is repaid.

3. At the same time, the borrower has applied for other loans in Youqian Hua. If the borrower applies for another loan while he has money to spend, the loan amount will be tied up and the revolving line that could have been used will not be used.

4. The borrower is overage.

Having money to spend is Du Xiaoman Finance.

Its credit service brand, formerly known as: Rich and Spend Money.

The positioning is to provide personal consumption credit to the general public.

services, to create an innovative consumer credit model. Using artificial intelligence and big data risk control technology, it brings users convenient, fast and reassuring Internet credit services, which have the characteristics of simple application, fast approval, high quota, fast loan and strong security.

Through big data intelligent AI computing and combined with risk control models, users are granted consumption quotas ranging from 1,000 yuan to 300,000 yuan. The quota is granted according to the user's accumulated credit, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. However, it is not possible to open or raise the quota through others.

Line of credit. It is a one-time credit line. After the credit is granted, the user can borrow a one-time loan within the credit line, and the unused part of the credit line cannot be used again. Once a loan has been fully settled, you can reapply for a credit limit, which may be different each time you grant it.

Extended information: After the user successfully borrows, he can choose to repay the loan every month, or he can settle it in full in advance, and settle it in advance to receive a certain amount of early repayment.

Penalty. The user's borrowing date is fixed as the user's repayment date, the borrowing date of the current month is the 1st-28th of the month, the corresponding borrowing date is fixed to the 1st-28th of each month is the user's repayment date, and the borrowing after the 28th is the user's repayment date if there is a corresponding date in the next month, and if there is no corresponding date, the last day of the user's month is the user's repayment date, and when the user applies again, the repayment date is redetermined according to the rules. If the repayment is overdue, a certain overdue fee will be charged every day and reported to the credit bureau.

1. The loan has not been paid off in full. The user needs to repay the total amount of all installments before the quota can be restored, and the entire quota can only be restored when the entire loan is settled, and the quota will not be restored after paying off one or more installments. Some premium users with good credit can enjoy instant credit recovery.

2. Take the initiative to apply for a derating. After the user applies for the reduction, it will be completed in about 3 working days, and the user cannot actively apply for restoration during this period.

3. Credit stains. Every time you apply for a loan with money to spend, the system needs to re-review the user's comprehensive situation, and if the user is overdue or has other bad credit, the limit may be cancelled or reduced. The details are subject to system approval, and manual intervention cannot be made.

4. If you have money to spend and borrow money, you will fail. It is recommended that you maintain a good personal credit history and repay the carport payment habits in the future, and the system will update your personal credit rating from time to time. Users who have money to spend and borrow money must repay the loan on time and maintain good credit, so they have the opportunity to be rated as a high-quality user by the system.

The approval of loans with money will be stricter than the approval of the quota, and the failure of loan approval is mainly due to the lack of comprehensive user scores, and the actual reasons usually include:

1. The borrower's debt ratio is too high: If the borrower has recently applied for several loans, the total debt amount is too high, and there is no strong capital and income flow as support, then in order to prevent the borrower from having a large amount of debt, the borrower will reject the user's loan application;

2. The borrower has overdue behavior: The platform will use the borrower's historical borrowing and repayment records as key reference information. If the borrower has previously overdue behavior on other service platforms, their loan application may be rejected.

Users can see whether the individual has successfully repaid, which is likely to be encountered by users who use the automatic repayment function, because there are many uncertainties that cause the unsuccessful automatic deduction. If the user repays the loan successfully, but the amount of money to spend is not repaired, then it may be caused by network delay, and the user can wait for a period of time, such as 2 hours later, and then check whether the credit limit is repaired.

1. If the user does not repay the entire loan, the user needs to repay the entire loan in full before the credit limit of the entire loan can be repaired. If the user only repays one or several installments, it will be difficult to fix the credit limit. Only some users with good qualifications can restore their credit limit immediately after paying off the first installment;

2. Overdue behavior: If the user has overdue loans or other personal credit bad behaviors on the money or other service platforms, the amount of money to spend is likely to be reduced or even revoked, and the actual system review is the standard, and manual intervention cannot be made;

3. Adjustment of the amount of money to spend: The system software will upgrade the user's comprehensive score from time to time, and according to the current situation, it is likely to reduce or revoke the user's credit line, which is actually based on the system audit conclusion.

It's important to note that on-time repayment is not the only criterion for credit limit adjustments. This article mainly writes about the amount of money spent has been restored, how can you not borrow the relevant knowledge points, and the content is for reference only.