Recently, the small-scale loan platform has been well-sighted and has been used to view a variety of credit products for clients in need of borrowing. However, some users have found that they do not have access to the loan line on a small page, and why? How can this be resolved

What's the reason for this

Access to small-scale loan lines may be affected by three main factors。

First, the reason may be the credit records of the users. Once the user is overdue, a negative record will be generated on the letter-of-assist report, adding to the problem of loan clearance. The solution would take time and patience, and the user would have to repair the credit records before the loan application could be improved。

SECOND, THE LIABILITY RATIO OF USERS IS ALSO AN IMPORTANT TOPIC. WHEN THE PROPORTION OF CLIENTS IS TOO HIGH TO EXCEED 50%, THE PLATFORM WILL RESERVE THE ABILITY OF THE USERS TO REPAY, THUS PREVENTING THEM FROM RECEIVING FULL LOANS AT A SMALL LEVEL. THE BEST SOLUTION WOULD BE FOR USERS TO REDUCE THEIR DEBT RATIOS AND MANAGE THEIR LOAN APPETITES SO THAT THE PLATFORM ' S DOUBTS COULD BE DISPELLED。

Finally, insufficient financial means for users may also limit the amount of credit. Small-scale loan products are of a consumer nature, and when the income position of users changes, they may increase platform concerns and make loan applications difficult to pass. In such cases, the client should control the obligation and wait for the income to stabilize before applying。

If the amount cannot be obtained at a small capacity, users may consider the following:

- Maintaining a good credit record and waiting for the history of malicious letters to be covered before applying for loans。

- Efforts to increase income and stable sources of financing to make it more repaymentable。

- Purchase of property items on the platform to gain the trust of the platform through demonstrated financial means to increase the success rate of loans。

- Ensuring the proper use of accounts. The certification of real names, the binding of mobile phone numbers and bank cards are the basis for making the platform trust users。