On loan, a gold-carded credit product from which treasures are paid is well received with low interest rates, high amounts and easy repayments. However, some users have found themselves unable to use borrowing. What is the situation? The following are the reasons that could lead to borrowing and being discontinued:

Why can't you borrow it? I can't use the reason

First, personal credit issues. For this credit product, good credit is an essential prerequisite for its use. The Platform regularly consults the user ' s letter-writing reports as a means of understanding the user ' s credit status. If credit failures of users, such as lateness, are detected, the platform may limit the use of borrowing by users in order to reduce the risk of borrowing。

Second, irregularity. Users are required to comply with the terms of the loan contract and to exercise caution in the use of loans. The platform may freeze the loan from users if they use the loan for high-risk projects, such as buildings or stock markets。

Third, account security. Insecurity of accounts, such as suspicious transactions and frequent replacement of log-in equipment, may result in the use of controls by the Platform to protect funds and accounts and to restrict the use of loans by users until such time as the security of the accounts is confirmed。

Besides, the account is low. If the user opens the loan but it is rarely used, the platform may consider the user ' s need for funds to be low and decide to recover the user ' s loan。

Finally, there are frequent early repayments. While borrowing allows for early repayments, frequent borrowings and repayments can put the Platform in doubt about the flow of funds, leaving the accounts at risk and unable to continue borrowing。

With an understanding of the reasons that may be given above, users can take appropriate measures to address the situation in their own right, and once the problem is resolved, the loan can normally be reinstated。