For the first time to apply for micro-loans, users with excellent credit qualifications can apply for loans, and there is no need for electronic audit. Most users will receive audit calls. Therefore, when users apply for micro-loans for the first time, try to keep their mobile phones open and avoid missing the audit call. The application page will show whether there is an audit call. If there is an audit call, but the user misses it, it will directly affect the loan audit result.

Extended data:

I. Matters needing attention in electronic review of microfinance

Take the initiative to apply for small loans, the vast majority of borrowers will receive a telephone reply, and the loan application will display "waiting for telephone confirmation"; Micro-loan also announced the customer service phone number, reminding all lenders who use micro-loan that it is safe and reliable to call this number to verify relevant information. Don't trust other strange numbers. Customer service will not ask you to transfer money on the phone, provide password verification code and pay handling fee.

If you have any questions, you can contact WeChat customer service at any time to ask, and don't fall into the trap of a liar.

Second, the repayment date

The repayment date of small loans is fixed, with the first repayment date as the repayment date.

The first loan took place on 1 1 20th, 2005. 1-27, and the repayment date is the lending date; The first loan occurred on 28-3 1, and the repayment date was June 8-27, 65438 or June 17 10-7. Once the repayment date is determined, the subsequent loan application will also be repaid according to the repayment date.

Therefore, users can adjust the repayment date of micro-loans as long as they pay attention to the first loan time. As for whether the repayment date can be modified in the future, the provisions of micro-loan shall prevail.

3. Small loans, like credit cards, are overdue for credit reporting at the meeting. Because the micro-loan comes from Weizhong Bank under Tencent, when the borrower applies for micro-loan for the first time, all the usage will be recorded in the credit report. Therefore, the repayment should not be overdue as far as possible, because overdue will not only have credit stains, but also have penalty interest. From the overdue date, a penalty interest of 50% of the agreed interest rate will be added to the overdue principal amount every day until it is paid off. If you want to maintain good credit, you must pay back on time.