Gome Easy Card activation failed.

Bad personal credit information:

If you want to apply for Gome Easy Card loan, you need to authorize Gome to inquire about credit information. Gome Easy Card is a credit loan product. Gome Easy Card requires borrowers to apply for credit information, which requires users to have good credit information. Users with overdue records of loans or credit cards cannot successfully apply for loans.

Age does not meet the requirements:

In order to apply for a loan successfully, the borrower needs to meet the corresponding conditions, such as the age of 18-45, and it is impossible for users beyond this age to pass the audit. This is also a hard condition, and users who do not meet this condition can only choose to apply for other loan products.

The applicant has poor repayment ability:

Repayment ability is the key to determine whether users can successfully apply for loans. Generally speaking, the repayment ability is determined by two factors, one is the source of income of the applicant, and the other is the debt ratio of the applicant. If the user's current debt ratio is low and his income is high, the loan application can be successful. On the other hand, if the user's income is too low, there is no debt, or the income is high, there are many debts, and the repayment ability does not meet the conditions, the loan application will also be unsuccessful.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.

Credit report:

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information:

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.