1. You can go to the counter. If you handle it at the counter, you can go directly to the staff to cancel the automatic deduction.

2. You can cancel automatic deduction by calling customer service and selecting manual service.

3. You can unbind the bank card on the online loan platform.

4. You can log in to the bank's online banking or mobile banking, enter your personal account and select "Fast Payment Management".

Conditions for online loan

The basic conditions for online loan include: the applicant is between 18 and 55 years old, and his occupation cannot be a college student; The applicant has a certain ability to repay the principal and interest; The applicant has a good credit record and no bad credit record; The applicant has a second-generation valid ID card, a real-name mobile phone number, and a bank card to complete real-name authentication.

after meeting the above basic conditions, users can basically apply for most online loans, but some online loans have special application requirements, such as having to complete credit card authentication, which requires users to have a credit card before applying.

Harm of online lending

1. Some online lending platforms have unclear rates, and there is some concealment in the expressions of handling fees, overdue fees, liquidated damages, etc., which may tightly lock up the loan students. Once the repayment is overdue, college students are likely to be unable to bear the loss of funds, resulting in a credit crisis of ahead of consumption.

2. Due to the low threshold of installment consumption of online loans, it provides a platform for college students to spend in advance and luxury, but many college students are heavily in debt due to impulsive consumption, which brings troubles to their normal study.

3. In case of overdue payment, it will affect the personal credit information of college students in the bank. Once you have a personal credit stain, whether you apply for a credit card or a loan in the future, you will have to pay more than others and may even be rejected. In addition, once these small online lending companies have changed, there are also hidden dangers in the disclosure of private information such as student ID cards and ID cards of college students.

Disadvantages of peer-to-peer lending

1. Unsecured, high interest rate and high risk. Compared with traditional loan methods, online loans are completely unsecured loans. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds the bank interest rate by four times and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. The inherent capital of credit risk online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large amount of loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of cheating, while some purposes of the founders of loan platforms are not simple, and cases of escaping with money occur frequently.

3. Lack of effective supervision means Because online lending is a new financing means, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral and do not violate the rules or recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time. After the loan is passed, I don't want it. How can I cancel it?

Many people have applied for a loan because they are in urgent need of money, but they don't want to borrow for various reasons before the loan is paid. Can they cancel it at this time? How to cancel? What effect will cancellation have on the applicant? This paper sorts out some relevant information for your reference. After the loan is passed, it is unwanted. How to cancel it?

generally speaking, we mainly look at the circumstances under which the applicant cancels the loan. The cancellation of loans generally occurs in the following four stages: the loan has not been audited, the loan is audited, the loan is being released and the loan has been released. Different stages have different cancellation methods and have different effects.

1. The loan has not been approved

If it is an offline loan, the applicant can directly terminate the loan application if the loan contract has not been signed. If you apply for a mobile phone loan, just contact customer service to apply for cancellation of the loan before it is approved. At this time, there will be no liquidated damages and no impact on personal credit records.

2. loan review stage

when handling a bank loan, if the loan contract has been signed but has not been submitted for approval, it is ok for the applicant to cancel the loan. Contact the account manager in charge of you to explain the situation, and he will tell the bank to terminate the review process. The same is true for online loans. As long as you haven't passed the audit, you can contact customer service to help you cancel the loan. However, for some online second-time loans, if you want to cancel after approval, it is recommended to contact the credit manager as soon as possible. Because once the loan is successful, it can't be cancelled, so you can only choose to repay in advance or at that time.

3. In the lending stage

In the lending stage, it means that the loan has passed the loan review but has not been released to the borrower's account. At this time, it is troublesome to cancel it, but as long as the money has not arrived, you can still contact the account manager or customer service for handling. Cancelling the loan at this time may have an impact on your credit information and may result in certain liquidated damages.

4. The loan has been released

It is basically impossible to cancel the loan when the loan has been received. If you really don't want to use it, you can consider repaying it in advance to avoid the loss of interest to the maximum extent. In this case, it is best to consult the account manager about the terms of bank prepayment, because some banks have certain restrictions on prepayment, some set a certain period during which prepayment is not allowed, and some banks allow prepayment, but they need to pay a certain penalty, because customers' prepayment disrupts the bank's capital arrangement and has costs for banks, so they have to pay a certain penalty.

Therefore, it is recommended that you consider whether you really need this money before applying for a loan, so as to avoid bad personal credit records and payment of liquidated damages. Can I get a refund after the loan application is approved? How to return it?

In today's society, all kinds of loan businesses are flying all over the sky, but for many friends, loans still need careful consideration. So if you suddenly change your decision after submitting the loan application, and the loan application is passed, can you refund it? How to return it? Here is a detailed explanation for everyone.

first, bank loans (1) If you apply for a loan according to the normal process, you can return it. After the loan is approved, there will be an iou. As long as you don't sign it, the loan will be suspended, so you can apply for a refund. (2) However, if the amount of the loan has been settled, then you can only make preparations for prepayment, but it will take a full year, otherwise there will be liquidated damages and handling fees.

second, the loan company (1) the loan company can generally apply for a refund. As long as it is approved, it will immediately make a payment. At this time, it will be troublesome to cancel, but you can also try to contact the account manager or customer service to negotiate. Cancelling the loan at this time may have an impact on your credit information and may result in certain liquidated damages. (2) However, if the loan has been paid in place, it will be more troublesome for the lender to apply for loan refund again. At this time, the lender can only repay the loan in advance, but there will be a certain loan record, and it may also be reported to the credit bureau. And some lending institutions will also agree to cancel the loan, but there will be certain liquidated damages and handling fees. In a word, it is not easy to cancel the loan application after it is approved. In the light, it will delay your precious time, pay liquidated damages and handling fees, and in the heavy case, it will produce a credit record. The bad record in the credit record may affect the future economic life. In the simplest terms, if you have a record of canceling the loan once, it is likely that it will not be easy to make the next loan payment. So everyone must think twice before applying for a loan. What should I do if the loan is approved successfully and I don't want it? Actually, it is refundable.

Before going to the bank to apply, borrowers need to submit more loan application materials for the bank's departments to examine and approve. It will take some time for the bank to give the approval result. If the borrower gives up the loan for other reasons at this time, there will be some problems. What should I do if the loan is approved successfully and I don't want it? Actually, you can return it!

what should I do if the loan is approved successfully and I don't want it? If the loan is approved successfully, it needs to be analyzed according to the specific situation. If the loan is approved successfully and the loan has not yet arrived, you can contact the manager or bank who helped you with the loan and ask the bank to stop lending, but there may be a certain penalty at this time. There is no way to cancel the loan after it has been approved successfully. The user can only repay it according to the requirements of the contract, but the borrower can repay it in advance, which can save interest expenses. However, some banks have certain restrictions on the early repayment of loans, such as not being able to repay loans in advance within one year after the loan. In order to avoid unnecessary situations after the loan, users must know in detail whether they need the loan before handling the loan. Then apply to the bank for a loan. After the borrower submits the materials, the bank will conduct an audit, and after passing the audit, the bank will lend money. When you apply for a loan in a bank, you must consult the bank in advance, know the loan interest rate and loan conditions, and then choose a bank that suits you best. According to the loan type, the loan information will be different, but the repayment ability and good credit information are the most concerned by banks, and only users with strong repayment ability can get loans smoothly. The above is the sharing of the relevant content of "I don't want the loan approved successfully", hoping to help everyone!