The card number entered in the online loan is incorrect. If the loan application fails, there is no need to repay. If the bank card number is entered incorrectly and the loan is still approved, then the user needs to repay. Generally speaking, if the loan bank card is filled in incorrectly, it will not pass the real-name authentication, so it is rare that the card number is entered incorrectly and the fund is approved successfully.

Once the card number is entered incorrectly but approved successfully, the user must repay according to the loan contract, because the loan contract has come into effect at this time.

Do I need to return the wrong online loan bank card?

If the online loan prompts to fill in the wrong card number, the funds are frozen and the borrower does not need to repay. Because the loan funds are still frozen, I haven't received the money to use, so I naturally have no repayment obligation. Everyone needs to pay attention to:

1. Although a loan contract has been signed, the loan contract generally comes into effect after the money is successfully received.

2. In the face of the situation that the funds are frozen due to the wrong bank card number, in fact, as long as the correct bank card number is provided, the platform system will naturally unfreeze the funds and distribute the funds to the card.

3. Sometimes the card number may not be filled in correctly, and the system prompts you so just to collect a unfrozen payment. The borrower can't unfreeze the next payment until he has paid the money. If not, some platforms will even force repayment. In this regard, the borrower should not pay back the money, and unfreezing the money is actually a disguised "decapitation interest." If repayment is forced, evidence can be collected and reported to the local CBRC or China Internet Finance Association.

The card number of the online loan bank is wrong. Should it be repaid?

No need.

If the customer applies for a loan, the loan funds are frozen due to the wrong bank card number, so it is naturally unnecessary to repay. After all, the funds were frozen and the customers did not use them. In this regard, customers can contact the platform customer service and provide the correct bank card. After the platform unfreezes the funds and withdraws them, it can repay them in installments on time according to the repayment plan agreed in the contract.

According to the basic knowledge of law and finance, the card number error will not be frozen, but the transfer is unsuccessful. The CBRC and banks will not freeze funds, and the CBRC has no right to freeze funds. If the account is frozen, there is no need to verify the funds or deposits to unfreeze it. However, since the funds are frozen, it means that the user has not obtained the loan amount, and the loan relationship between the two parties who have not paid the money is not established, and there is no need to repay; Secondly, if it is really caused by the wrong card number, you should contact the platform and the bank as soon as possible to handle the transaction. For example, go back to the investor's account and apply for a loan again. It should be noted that if the user does not fill in the wrong card number and is asked to pay the unfreezing money or fails to repay the loan, it is likely that criminals want to defraud the user's funds. Be vigilant not to cause personal financial losses, and they will be deceived if they are not careful.

Is online lending safe?

There are certain risks in online loans. Specifically, the loan interest rate of online loans is much higher than that of bank loans, which will make some users "repay loans with loans" and get into debt. It is also possible that many loan platforms will also disclose users' personal information, and the security of personal information is risky. Some loan platforms have usury and routine loans, and users may fall into the usury trap of "rolling profits".

Although the prevalence of online lending has helped many people, it does have some unavoidable hazards. Because the current online lending institutions are really not so strict in auditing in order to occupy market share, it has caused loans to many people who have no repayment ability. They will not be able to repay their debts on time because they have no repayment ability. Recently, loans overdue and loans overdue will not only generate a large number of late fees and penalty interest, but also leave a record of non-performing loans on personal credit information. As we all know, credit reporting is the standard to judge a person's credibility. If a person has bad credit information, it will reduce his credibility and it is difficult to engage in loan behavior again.

The online loan bank card number is wrong. Do I have to pay?

If the bank card number of the online loan is wrong, then the user will not pass the authentication. At this time, online lending institutions will not approve money. The user must re-enter the bank card number and use SMS verification code to complete the verification, and then the online lending institution will conduct an operational review of the user's application materials, and will arrange funding after the approval.

Therefore, for users, it is basically impossible to pass the authentication if the wrong number is filled in the online loan bank card.