The loan is a purely credit-based product and, in order to safeguard the platform ' s interests, there are more stringent requirements for user qualifications to mitigate risks. Although the borrowing line is revolving, if another loan is not approved, problems may arise in the following areas, triggering a system windfall。

Why don't you pass the audit? It's probably these things

First, if the user is late, the Platform will be very concerned about the status of its letters and repayment records. If the user had a late record, it would leave a poor record on the letter-writing report, thus increasing the Platform ' s concerns. Therefore, in order to avoid potential late risk, the system may restrict users from reapplying for loans。

Secondly, the high level of indebtedness is also an important reason. When applying for a loan, if the user's liability ratio exceeds the limit, the payment value is considered to be under greater debt pressure and has a higher risk of delay. In order to control risk, in such cases the system usually limits the amount of credit given by the user. Users can improve the success of loan applications by reducing the level of indebtedness, including through repayments。

In addition, a change in the income position could affect the pass rate of borrowing requests. Users need sufficient repayment capacity to borrow money successfully. If there is a significant change in the income of the users, which leads to a lack of solvency, the payment side may reject the loan applications of the users in order to reduce the risk of delay。

System upgrades are also a common reason. In order to improve the quality of services, payments may be upgraded. During this period, user applications for loans may not be processed for the time being, leading to the failure of borrowing. Users are advised to wait patiently for the system upgrade to be completed before resubmission。

Finally, the irregular use of borrowed products also leads to the failure of loan applications. Only consumption is permitted within the prescribed limits, and the system considers the user to be in non-compliance if it does not use the debit amount and applies the corresponding restrictions。

In the light of the above, there are many reasons for the failure, and users can examine and take measures to improve the success of the loan。