One. exceed the time limit
I was contacted by customer service before the deadline. At that time, the customer service only said that there was overdue interest. When I planned to repay the loan the next day, I found that the repayment amount actually doubled, and it turned out to be 500 yuan. Just because I was one day overdue, it became 1000 yuan. If you don't give me a reasonable explanation, I will report to the public security organ on the grounds of usury and complain to the Insurance Regulatory Commission of the Bank of China, 3 15 Consumer Rights Association, so I should enjoy flowers.
Second, loan business.
As far as loan business is concerned, loan business has a repayment period. As long as the user deducts on time, it will not affect the subsequent loan business. If the user is overdue, it will affect personal credit information. A flower is one day overdue. When you apply for a flower shop, you don't check the credit information, but you will check the credit information big data of 100 banks, so once it is overdue, it will affect the subsequent lending business. According to the current regulations, it depends on whether the lender has a grace period. At present, most loan methods have no grace period, and even if they are overdue for one day, they will be credited at the meeting. If the user has applied for the next payment before, but has not repaid it or has overdue records, it will also have a great impact on applying for a loan.
Anyihua is a turnover line financial service application software launched by Immediate Consumer Finance Co., Ltd..
1, comfortable flowers
On June 3rd, 2020, China Internet Finance Association released the "Real Name Registration List of Mobile Finance Client Applications (First Batch)", and the core product of consumer finance "Easy Flower" was successfully selected. At this point, Instant Finance became the first licensed consumer financial institution to complete the filing of mobile financial clients.
2. Anyihua Limited
Anyihua is a revolving line financial service application software launched by Immediate Consumer Finance Co., Ltd. The software size is 39.5 MB, and version 2.2.0 has been developed. Anyihua provides a maximum revolving line of 50,000 according to the credit qualification of users. Within the credit line, users can choose to use business-related events such as cash loan repayment, cash installment, interest-free consumption and bill installment. On June 20021,15, the Consumer Rights Protection Bureau of the Bank of China Insurance Regulatory Commission informed the consumer finance company of its infringement on the legitimate rights and interests of consumers. According to the circular, the promotion of instant cash elimination of "Yihua" APP is exaggerated and misleading, and there is a propaganda expression of "ultra-low interest rate" on the homepage. Take the loan test of an Yihua APP as an example. The loan is jointly funded by the instant money and the bank and is underwritten by the insurance company. During the whole loan application process, the insured individual was not informed in advance of the cost of ensuring insurance, and the key insurance clauses were not prompted and explained.