When applying for microcredit, many users often ignore the details and therefore fail to pass the loan. In order to improve the success of the loan, users need to pay attention to a number of key issues. The following are some of the points that must be followed when applying for microcredit。

What do you care about applying for microcredit? These matters must be noted

First, choose the appropriate loan product. Users should carefully screen their products before applying for loans to ensure that the products selected are in line with their qualifications. The free submission of loan applications is often denied because of mismatches with user qualifications. Therefore, the choice of loan products that match their own circumstances is key to increasing the pass rate。

Secondly, the credit information needs to be filled in with particular care. Online microloans often do not require qualification materials, but the authenticity and accuracy of personal information are crucial. Many users did not fill in their personal information with sufficient care, resulting in information that was not in line with reality and ultimately resulted in the rejection of loan applications. Users must ensure that information is true and complete when filling in information。

Again, the amount of the loan requested is reasonable. Upon completion of the initial assessment of the system, a certain amount of credit will be given to the user. Some users prefer to apply for full amounts, but this is difficult to pass through successfully. When first applying for a loan, the user is advised to apply for a lower amount and then try to apply for a higher level of the loan after a good credit record has been accumulated。

Then keep the phone open. Some on-line loan platforms have telephone clearances, and the call is returned after submission. The omission of an audit call would result in the audit not passing. After a loan application has been submitted, the user should keep the phone open and avoid defaulting on the clearance call。

Finally, a new application should not be made immediately after the loan has failed. While most loan platforms do not limit the number of applications, frequent applications can result in personal letters of credit being compromised and successful borrowing remains difficult. The failure of the loan should lead to a one- to three-month interval between re-submission of the application, which could improve the creditworthiness of the user and thus the success rate of the re-application。

In conclusion, when applying for microcredit, users should be careful to ensure its authenticity and reasonableness, whether they choose the product, fill in the data or apply for the amount. At the same time, it is equally important to avoid frequent applications and to maintain good personal credit records。