Xiaoying credit card loan is in cooperation with the People's Bank of China. When applying for a loan, you need to check your personal credit report. At the same time, because the lender is a bank, the loan record will also be recorded. There are two kinds of credit information for a small win card loan:

1. Credit information of loan record: The credit information of Xiaoying Card will be uploaded in the credit information report after the loan is successful, and the borrower's repayment situation will be recorded. The record of normal repayment has no influence.

2. Overdue record credit: the premise of loan record credit. If the credit is overdue, it will show compensation. At present, loans overdue of Xiaoying Card is compensated by the insurance company, but the overdue record of the borrower will always remain in the personal credit report, thus causing personal credit stain.

1. Is Xiaoying Card Loan a formal platform?

From the background of Xiaoying Card, Xiaoying Loan is a product launched by Xiaoying Technology, a company listed on the New York Stock Exchange. Close cooperation with professional financial institutions such as Zhongan Insurance, China-Pakistan Qianhai Finance, Shenzhen Gold Investment Co., Ltd. and Jiangsu Property Rights Exchange Center has optimized the resource allocation of the whole platform. Xiaoyingka is a cash loan product, and it is still very reliable in general.

Judging from the interest rate of Xiaoying Card, China stipulates that the annual interest rate of more than 36% belongs to usury, and the monthly interest rate of Xiaoying Card loan is 0.67%. After the loan is successful, a handling fee of 2% and a service fee of 1. 1- 1.23% are required. This interest rate is within the scope of legal protection.

Second, is the credit card loan approved?

Xiaoying credit card loan belongs to online credit loan, and its loan threshold is relatively high in online loan. Moreover, because the audit will be divided into three steps, namely, system preliminary review, telephone audit and final audit, the audit is not so easy to pass. Many people will be wiped out in the three-stage audit, so only high-quality customers who meet the loan conditions can pass the audit. As long as you provide real identity information, the loan is very easy to pass. If you want to pass the audit faster, you can fill in the identity information in more detail when submitting the application, so the pass rate will be higher!