Many users of Suning's arbitrary payment are using it, but recently some users have problems borrowing money, and many people report that Suning's arbitrary payment cannot be used. What's going on here? The following is a detailed introduction.
Judging from the news obtained so far, Suning can still borrow any payment. However, some special circumstances may prevent some friends from applying for any payment from Suning. These situations are:
1, the scope of use has changed.
Many friends find that they can't borrow any payment when they shop with Suning's arbitrary payment. The reason why this happens is often because the scope of services paid by Suning has changed.
After all, not all businesses and commodities have always supported Suning's discretionary payment. Once the merchant or commodity is not within the service scope of Suning's willful payment, the borrower cannot borrow money to pay the bill.
2. Personal comprehensive credit declined.
As a pure credit loan, Suning attaches great importance to the comprehensive credit of the loan and will review the comprehensive credit of the borrower from time to time. If the borrower's comprehensive credit drops sharply and no longer meets the lending standards, then he can't lend.
If you want to restore the right to use, everyone should strive to increase their credit, including supplementary information, increasing the frequency of use of Suning Finance and so on.
Generally speaking, only some friends can't borrow Suning's free payment, and it is not permanent. With the further expansion of Suning's service scope and the continuous improvement of the borrower's own credit, friends who can't borrow money will regain the right to use.
Suning arbitrary payment application steps:
Step 1: Log in to Yifubao, enter my Yifubao, and click "Apply Now" in the discretionary payment module. If you are not in the invitation list, you will be prompted.
Step 2: Invited users enter the information confirmation page (users without real-name authentication also need real-name authentication first).
Step 3: Submit the application and wait for approval for about one minute.
Step 4: After approval, you will automatically jump back to my Yifubao to check the quota.
Details of each evaluation project:
(1) Yifubao account information: registration time, real-name authentication level, cumulative/daily/monthly balance of Yifubao, cumulative/daily/monthly balance of change treasure and expected annualized income of change treasure.
(2) Personal basic information: gender, age, marital status, educational background and stability.
(3) Consumption records and preferences: Tesco's historical shopping records, grade preferences of purchased goods, consumption amount, consumption frequency, maximum single consumption amount, types and quantities of different types of consumption, etc.
(4) Evaluation of cooperative institutions: credit records.
It is reported that Renxing Fu has innovated a new model of "Internet Finance+Communication Services", relying on the advantages of Suning's online and offline channels to achieve cross-border integration. Take advantage of members' credit and quota to create more favorable communication service scenarios, reduce consumers' cash expenditure, and create a more honest and inclusive financial consumption environment.
As a personal consumer loan brand under Suning Finance, Renxing Payment aims to provide multi-scenario, omni-channel and all-round micro-consumer loan services for individual users, so that consumers can enjoy first and then pay.
In addition, discretionary payment is favored by young people because of its flexible application method, convenient application procedures, no mortgage guarantee and fast approval speed.
The above is the related content of Suning's arbitrary payment.
"Suning's voluntary payment can still be used a few days ago, but now it won't work. What is the reason? "
As a consumer loan product of the same type as Bai Hua, Suning's free payment has always been very popular with users. Many people are used to this consumption mode of enjoying first and paying later, and there is a certain interest-free period, which can alleviate the financial pressure. However, some people found that their Suning could still be used a few days ago, but it can't be used now. What is the reason?
Reasons why Suning's arbitrary payment can't be used
Suning's discretionary payment was still used a few days ago, but it is no longer used. In other words, the system re-examined the comprehensive qualification of the user, and the user's qualification can no longer meet the requirement of using discretionary payment, so it cannot be used for the following reasons:
First, users' credit information is getting worse and worse.
The discretionary payment system will inquire the credit information of users from time to time. If the user's credit information becomes worse, such as loans overdue records, or water and electricity bills are in arrears, it means that the user's current economic situation is not good and he is short of money. In order to control risks, the credit line of discretionary payment has been cleared.
Second, the debt ratio is too high.
At present, most loans are subject to credit investigation. If the number of loans under the user name is increased or multiple loans from Suning Finance are applied during the system audit, the borrower's debt ratio is extremely high. In this case, arbitrary payment can no longer be used.
Third, the past data is invalid.
Many people don't care much about their information after applying for Suning's discretionary payment. They may not update their information for several years, and some information is invalid and needs to be filled in again. In this case, they can fill in their own information again, supplement their asset certificates and reapply.
Suning's discretionary payment was still used a few days ago, but it is no longer used. In the final analysis, the user's comprehensive score is insufficient. We should keep a good credit report. When Suning consumes, don't return goods frequently, and keep a good record of consumption. Under normal circumstances, the amount of discretionary payment will not be frozen and can be used with peace of mind.
When shopping in Suning.cn, you will be prompted "The current transaction does not support discretionary payment"?
When shopping in Suning.cn, the prompt "arbitrary payment does not support the current transaction" means that goods cannot be paid by arbitrary payment in Suning.cn. As a personal consumer loan brand under Suning Finance, Renxing Pay aims to provide multi-scenario, omni-channel and all-round micro-consumer loan services for individual users. No mortgage, no guarantee, 0 down payment, low interest, so that consumers can enjoy it first and then pay.
The maximum amount of discretionary compensation is 200,000 yuan. The conditions for opening advance payment are as follows:
1, male: 18 to 55 years old (inclusive), female: 18 to 55 years old (inclusive)
2 mainland residents with People's Republic of China (PRC) (China) nationality (except Hong Kong, Macao and Taiwan).
3. The applicant shall be a natural person with full capacity for civil conduct.
4. No bad credit record and serious negative information.
5. There are sources of income.
6. Other conditions stipulated by the company.
Extended data:
Article 12 of the Measures for the Administration of Online Transactions? When selling goods or providing services, online commodity operators should ensure the integrity of the goods or services, and have to split the goods or services reasonably, determine the minimum consumption standard or charge unreasonable fees separately.
Thirteenth online commodity operators selling goods or providing services, should be in accordance with the relevant provisions of the state or business practices to consumers to issue invoices and other purchase vouchers or service documents; With the consent of consumers, it can be published in electronic form. Electronic purchase vouchers or service vouchers can be used as the basis for handling consumer complaints. When consumers ask for service documents such as shopping vouchers or invoices, online commodity operators must issue them.
Suning can't use it if there is a quota. Why? What should I do?
Suning can't use it if there is a quota. Why? What should I do?
Suning.cn is a well-known e-commerce platform for many users. Suning Renxing Pay is a consumer financial product launched by Suning, which provides users with small consumer loan services. Users who need loans can directly use Suning.cn App.
Recently, some users also said that after they started discretionary payment, they clearly showed that they could borrow money, but they could not use discretionary payment to pay for loans. Why?
Suning's discretionary payment is limited, but it cannot be used. The main reason is that when users apply for loans, the current system's audit results for users do not meet the conditions for using discretionary payment, and they have not passed the final loan audit of discretionary payment, resulting in the line being unusable.
Then the main reasons for the audit failure may be as follows:
1, the credit does not pass:
It is possible that the user's credit status is good when applying for discretionary payment, so as to successfully apply for the loan amount of discretionary payment. However, after the user applied for the loan amount of arbitrary payment, the overdue repayment and other circumstances affected the credit information, which led to the rejection of the loan application of arbitrary payment in the later period.
2. Current liabilities are too high:
When users apply for free loans, there are already many other loans. At this time, the user's own debt ratio is already very high, and discretionary payment will worry about the user's repayment ability, thus refusing to issue loans to users if there is a quota.
3. Expired data:
If the user arbitrarily approves the credit line for a long time, there is a possibility that the approval materials will expire. At this point, users can't apply for loans even if they have a credit line. If he wants to continue the loan, he needs to re-submit the materials and re-apply the loan after approval.
4. There was a record of overdue repayment in voluntary payment before:
If the user has applied for a loan at any payment before, and fails to repay any payment as required after the loan, and the repayment is overdue, then even if there is a loan limit for any payment, the probability of applying for a loan again is relatively small.
If users can't think of the specific reasons why they can't get a loan by voluntary payment, they can directly contact the customer service of voluntary payment, ask the specific reasons why they can't get a loan at present, and then make targeted modifications, and then apply for a loan by voluntary payment after meeting the requirements.