the china chamber of commerce and industry bank, also known as the cosmos bank, ranks first in many global banking indicators for many years, such as asset size, core capital, operating income and net profits. as leaders of the industry, the position of the bank of commerce and industry should not be diminished. in recent years, the chamber of commerce and industry has introduced a variety of individual credit-financed products, the most popular of which is to borrow. however, there have been instances of failed audits, and why have they failed? let's find out。

why didn't i borrow it? we've been denied reasons

**1. Letter of request**

the credit position of the borrower is stringent, and no poor credit records should be available for at least two years. the chamber of commerce and industry regularly consults the applicant ' s individual letter reports, so even if the loan has already been disbursed, the renewal of the loan may be affected if it is discovered that there has been a delay in the near future。

**2. Overliabilities**

in addition to credit records, the lending of e also reviews the borrower ' s income and liabilities. claimants with stable income but over-indebted will also be rejected, which is one of the important criteria for the ability of borrowers to repay on time。

**3. White list system**

Currently, a white list application system is in place. If the applicant is not on the white list of the trade unions, he/she will be refused credit. You can check if you are on the white list on the Business Bank's APP phone。

**.4. Borrowing purposes**

Banks have specific provisions on the use of loans and prohibit the use of loans for offences such as investment, gambling, etc. If a borrower ' s bank card was found to be linked to such an account during the audit, the application would necessarily be rejected。

**.5. Other reasons**

The possibility of approval may also be reduced if borrowers change their address or work frequently. In addition, 80% of the credit card line is held at the top of the loan line and cannot be used again if the credit card line has been exhausted。

prior to applying for a loan, it would help to increase the success rate of the loan by rationalizing the use of credit card lines, ensuring that credit records are good and confirming that it is on the white list of the bank。