Why can't Ctrip Finance consume?

Here, why can't you use flowers? Mainly for these reasons!

In the era of internet finance, many platforms began to set foot in the financial field, and many platforms began to provide the function of borrowing, which led to the loan business. Where to go, Ctrip. Com, which occupies a place in the travel APP, also got a travel loan-take it and spend it. After obtaining the quota, it can be used to book hotels, air tickets and tour groups. However, since last year, most netizens have reported "system maintenance", and there has been no time and argument. What's going on here? Let's have a look.

Many netizens have asked the customer service about the problem that the flower garden can't be used, but they always answer with "system maintenance, need, etc." So the official has no specific answer. Generally speaking, there may be the following reasons why flowers can't be used:

1, controlled by wind

If I used to use it, I can't use it now. It is very likely that improper use has been controlled by the wind, so I don't need it for the time being, so I can only borrow it.

2. Investors withdraw their funds.

There is a saying on the Internet that online lending supervision is so strict, the financial industry is sluggish, many online lending platforms have closed down, and investors are likely to withdraw their funds. There is no money to borrow after withdrawing cash.

3、tx

Too much, strengthen risk control.

After taking the flowers, a lot of tx appeared.

In order to effectively solve this problem, we have strengthened the risk control with flowers, many of which are not so qualified or have tx.

The suspicious person may not be able to make the next payment.

4. Twice a year

Because sometimes flowers can be used and sometimes they can't be used, some netizens put forward the idea of twice a year, saying that depending on luck, there will be tips when you can use them when you pay. This statement has not been confirmed for the time being.

The reason why flowers can't be used is introduced here for everyone, hoping to help everyone. I suggest you don't cancel the reservation repeatedly, but try to see if the flowers can be used, which can only show more abnormalities. At the same time, if there is a loan that has not been paid off, you still have to pay it back whether it is spent or not.

Why can't Ctrip Finance get a loan?

Reasons why Ctrip Finance can't borrow money:

The user's personal debt ratio is too high; The user's repayment ability is insufficient; There are bad credit records in the user's credit information; After applying for Ctrip financial loans, they are often paid off in advance; Ctrip's loan amount is insufficient; Ctrip's financial account activity is low.

The above reasons will cause users to fail to pass the loan review of Ctrip Finance. After the loan application is rejected, users need to reapply at regular intervals.

When a user applies for a loan, Ctrip Finance will review the user's real-time credit qualification status, so when the user's credit qualification status is poor, it will not pass the system audit.

Users need to keep good credit records and loan records for a long time, ensure the activity of accounts, appropriately control the personal debt ratio, and improve the probability of passing the audit.

For those who fail to apply for loans for many times, users can try to apply for other loans, or wait for a long time before applying for Ctrip credit line loans.

Ctrip Financial Technology (Shanghai) Co., Ltd. was established in July 2008 18.

The legal representative is Yan Feng, and the business scope of the company includes: technical development, technology transfer, technical consultation and technical services in the fields of financial technology, financial software, network technology and information technology;

Data processing services; Entrusted by financial institutions to engage in financial information technology outsourcing, financial business process outsourcing and financial knowledge process outsourcing;

Accepting professional dunning services entrusted by financial institutions; Industrial investment; Investment consulting; Investment management; Asset management (banking, securities and insurance businesses are not allowed above); Designing, producing, displaying and publishing advertisements;

Enterprise management consulting; Corporate image planning; Market information consultation and investigation (no social survey, social survey, public opinion survey or opinion poll); Financial consultation; Conference services; Exhibition service; Electronic product sales; Lease of self-owned equipment; Translation services, public relations activities planning, etc.

Ctrip Financial Loan:

1, platform background

Ctrip Finance is a subsidiary of Ctrip Group. Ctrip cooperates with major licensed financial institutions to provide loan services to users. Its products include credit loans, flowers, large loans and so on. , and have a certain strength. Borrowers can download Ctrip APP loans, and there is no need to pay any fees during the opening process.

2. Loan interest rate

Ctrip Finance mainly borrows flowers and brings flowers as two kinds of consumer credit loans, which do not need mortgage guarantee and can be handled directly online. Any loan product of Ctrip Finance is evaluated according to the comprehensive credit situation of the borrower, and differential pricing is implemented. The borrower's credit conditions are different, and the interest rate is also different, mainly in the loan page.

3. Loan amount

The loan amount of Ctrip's financial loan products is also differentiated credit, and the loan amount obtained by different borrowers will be different. Moreover, the loan amount is not fixed and will be adjusted irregularly with the change of the borrower's qualification. If the borrower continues to borrow from Ctrip Finance and repay it on time, it will help to develop good lending behavior.

4. Loan process

After downloading Ctrip Financial APP, the borrower registers the account with the mobile phone number of the real-name registration system, fills in the personal basic information according to the prompts, uploads the ID card and binds the bank card. After the comprehensive evaluation of the system, he will grant credit, and then submit a loan application after obtaining the quota, fill in the loan amount and term, and wait for the system to review. After passing, the system will transfer the money to the bound bank card.

Take it to the flower staging mall, no.

It may be improper use and controlled by the wind.

Due to improper use, users did not meet the latest audit requirements.

In Ctrip Financial APP Staging Mall, users who have opened flower beds can now enjoy the three-phase interest-free discount of staying in the hotel, and can also participate in interest-free activities of buying home appliances and mobile phones.

Why can't Ctrip use the quota?

1. It is not supported to send flowers to the goods selected by the user.

2. Users do not meet the latest audit requirements.

3. The money is spent on system maintenance, so it is impossible to lend money.

4. Due to remote login, it took risk control.

Flower auction only supports domestic air tickets, holiday travel consumption, international air tickets and a few special offers or group purchases, which cannot be used for flower auction. Not all domestic air tickets can be used to spend money, so there will be cases where users can spend a limited amount, but they can't use it.

Extended data:

The "Take Flowers" APP has the following characteristics:

1, convenient payment: there are more and more cooperative businesses with wide coverage and mobile payment.

2, easy to use and affordable: recommend leisure and entertainment food around the campus, and spend money without waiting for group purchase.

3. There are always surprises: mobile phones, computers, cameras and various digital products are lucky every day!

4. Credit consumption: credit consumption, timely repayment, and increase the credit line.

5, one-click repayment: binding Alipay, bank card, one-click repayment faster!