1, insufficient contribution. On the premise of ensuring safety, banks should also make money. Because the interest rate of fast e-loan is low and there are many applicants, the quota is insufficient. Of course, give priority to old customers and users who contribute a lot.
If the borrower finds out that he once had a quick loan line, then there is no line, which may be that your contribution to CCB has changed. If your contribution to CCB and the star rating decrease, it will affect the credit line and use authority after the quick loan is settled.
2. There is something wrong with the credit. Because the fast e-loan of CCB is a pure credit loan and does not need mortgage guarantee, personal credit information is particularly important. When you apply for an express e-loan, you have acquiesced that the bank can check your credit at any time. Maybe the borrower's credit information has changed in a few months or even a year, such as frequently applying for consumer loans from other banks, and the high debt of credit cards will lead to the sudden disappearance of fast e-loans, which means that you are not qualified to continue using them.
3. Credit card problem. Many people also hold CCB credit cards. If your CCB credit card is often withdrawn or left empty for a long time, you will basically not be able to get a quick e-loan line in the future. Therefore, it is recommended that you keep a good credit and use your card healthily.