If a customer applies for a loan on a formal loan platform with a financial license approved by the CBRC, the customer can modify it after filling in the wrong bank card number. Generally, the loan funds will not be frozen, and there is no need to pay the unfrozen funds.
If the customer applies for a loan from an unknown small loan platform without the approval of the CBRC and without a financial license, then the other party is likely to collect the unfrozen money. Even some platforms will deliberately say that the bank card number provided by the customer is wrong, deliberately freeze the loan funds and let the customer pay the unfrozen money. This is actually a disguised "beheading interest".
In this regard, customers don't have to pay, they can collect relevant evidence to report the platform to the Internet Finance Association or the local CBRC, and then give up the loan from the platform and apply for a new loan from a regular licensed consumer financial institution. We should know that under normal circumstances, licensed consumer financial institutions established with the approval of the CBRC will not charge any upfront fees to customers before the loan funds are released to their accounts.
Bank card input error during loan. The loan is frozen. Do you need to unfreeze it?
If the bank card is entered incorrectly, the loan will not be frozen, and even if it is frozen, there is no need to withdraw money to unfreeze it, so this situation must be fraud.
Wrong card number, customer service said the funds were frozen, so I have to pay the unfreezing money?
It is a lie to say that online loans have to pay for unfreezing.
In the formal online lending platform, the bank card input error can not reach the account at most, and the bank card password needs to be re-entered. It is impossible to freeze the account if the bank card is wrong, and the platform is not qualified to freeze the bank card.
Anyone who wants to pay a deposit or unfreeze gold is a liar. If the money from the online loan does not arrive, they do not need to bear legal responsibility. If the deposit is paid, the other party will definitely find a reason not to issue the loan. For various reasons, the money will not arrive. Finally, wait for the other party to swindle more money and run away.
Extended data:
Matters needing attention when encountering a liar
1, don't take the initiative to contact each other. Calling the so-called consultation phone will only get you hooked.
2. Don't rely too much on the Internet. When someone borrows money, keep in mind the formula "Don't decide to pay it back late, sleep for a day and talk to relatives".
3. Once the other party is found to be a liar, stop remittance and payment immediately to prevent the loss from expanding.
4. Report immediately. You can call official website customer service phone, school security office phone, local police station phone or 1 10 alarm phone to verify or report to relevant departments.
The online loan bank card number is wrong! The customer service said that the loan funds were frozen and needed a deposit to unfreeze. Is it true?/You don't say. The CBRC sent me a notice of unfreezing.
This is fake, this is a scam.
If the bank card number is wrong, it will not be frozen and there is no need to pay the certification fee.
Therefore, this requirement can only be a liar. The purpose of swindlers is to trick customers into transferring money to them. Liars have no loans at all.
In case of fraud, please protect your property.
There is no need to pay back the money and there is no other legal responsibility.