Hello, the difficulty of passing the audit depends on the user himself. The province is an APP for returning credit cards, and the whole application process is conducted online. From registration to uploading ID card and face recognition, it only takes a few minutes at the earliest. But for the audit, because the system mainly depends on risk control to decide whether to lend money to users, the audit is not so easy to pass. Users who meet the requirements and have good credit qualifications have a high probability of passing the audit.

The difference between saving and returning.

There are many similarities between saving money and paying back money, both of which provide low-interest and efficient credit card billing installment service for credit card users, but there are still some differences between them. The differences are as follows:

1, province Bai is one of the earliest installment products that provide cross-bank bills for credit cards in China. It was developed by Samoyed Jin Fu in Shenzhen, and jointly operated by Chongqing Focus Microfinance Company and Shanghai Shuhe. 20 16 went online in June.

2. Loan amount in the province 1 10,000 to 20,000 yuan. At present, there are 3/6/65,438+02 phases to choose from, and the loan amount in the province is 65,438+0,000 to 30,000 yuan.

3. The loan interest rate in the province is 60% off the minimum repayment rate of credit cards (18.25% annualized), and the repayment rate is 50% off the minimum repayment rate of credit cards (18.25% annualized).

Save credit information

Judging from the feedback from netizens, the provincial capital has received credit.

Because there are licensed financial institutions such as Baoshang Bank, Harbin Bank, Hangzhou Consumer Finance Company, Jilin Bank, China Foreign Trade Trust Co., Ltd., baixin bank Bank, Suzhou Bank, etc. 19, all of which are formal licensed lending institutions, which is very likely to affect credit reporting.

Once the repayment is overdue, it will not only blacken the credit information, but also affect the credibility of the province, and it will be difficult to obtain the quota in the future.

Save it. What will happen if it is overdue?

1, overdue records will be uploaded to the credit record, which will affect subsequent house purchase and card application. If the circumstances are serious, a series of measures will be taken.

2. Overdue penalty interest. Penalty interest is calculated on a daily basis, and the specific interest rate is subject to the page display.

3. Call for collection. If you don't pay back the money all the time, there may be phone bombing and address book harassment.

To sum up, as a formal credit card repayment software, the province has strong financial support behind it and has been involved in the credit information center. If it is overdue, it will have a serious impact.