Card loan plus loan also needs to be applied through the card loan mobile app. After you submit a loan increase application through the card loan app, you will generally get a reply within one working day or so.
If you don't find a credit entry in the card loan mobile APP, there are probably two reasons.
1, the version of your card loan APP is too old, so you need to update the card loan APP to the latest version;
2. The comprehensive conditions do not meet the conditions for applying for credit card loans and loans, and the application authority for credit card loans and loans has not been obtained.
If you can't apply for a credit card loan for the second reason, then you can only give it up temporarily. Friends who want to get permission to apply for a credit card loan should insist on doing the following four things.
1. Maintain the frequency of using credit cards to lend other loan products, and insist on timely and full repayment;
2. Strive to improve personal credit records and learn to use credit cards to establish good credit information for yourself;
3. Consciously control their own loan strength and gradually reduce their liabilities in other financial institutions;
4. Update and supplement the personal information in the card loan account in time according to your actual situation.
In addition, the speed of credit card loans and credit lines is also relatively fast, generally within one working day. Some netizens told Xi Cai Jun that with a large number of applicants, the speed and amount of credit card loans will slow down. Sometimes, after submitting a loan application, the card loan app may be temporarily unable to log in.
In addition, some friends reported that the quota may be faster after the card loan is exempted from membership. However, some members may not be able to complete the quota, so you must think carefully when purchasing members to avoid unnecessary losses.
Here, I want to tell you some quick and high methods to set quotas.
1. Before applying for a credit card loan, you must update and improve your personal account for credit card loan to make your personal information more attractive.
2. For the existing credit card loan bill, repayment must be made in strict accordance with the contract, and textbook loan records should be kept;
Before applying for credit card loan, you must control your debt and try to reduce your debt ratio.
Overdue credit card loans will also be punished:
Total penalty interest = total overdue principal and interest × corresponding penalty interest rate × overdue days;
Days overdue: counting from the day after the repayment date.
Penalty interest rate: one thousandth/day
In addition, if the deduction fails due to insufficient account balance of the borrower, the borrower shall pay the penalty for each deduction failure according to the number of failures.
Default penalty for failed deduction = loan amount ×0.5%, with the lowest 50 yuan and the highest 200 yuan.
The above is the relevant content of card loan plus loan.