Generally speaking, if you repay too much when you have money to spend, the overpayment will be refunded to the bank card in the same way, and the automatic refund will usually take 3-5 working days to arrive in your account. about. If it is not refunded, you can contact Baidu Youqianhua customer service. In addition, if there is an overpayment of principal in the IOU, the overpayment will be deducted evenly from the principal of each subsequent installment.

: 1. Baidu Youqianhua is a credit product under Baidu Xiaoman Finance, and it is also a formal large-amount product under Baidu. It goes without saying that Manyidai is formal and reliable. At present, the maximum amount that can be applied for is 200,000 yuan, and the longest use period can be divided into 24 months. In terms of interest, the comprehensive daily interest rate of Manyidai is around 0.02-0.06. The details will be displayed according to the APP when borrowing. allow. This portal is mainly aimed at users aged 18-55 who have good credit and big data and have a stable job income. In the application, they also need to provide identity authentication, face recognition, basic personal information, bank card binding, and credit information. Authorization and other data authentication.

2. If Baidu has enough money to spend on Yidai, the loan situation is still very stable. Generally, if you apply for the first time, as long as your credit report is not very poor, the chance of being out of line is very high. There will be a phone call during the review period. I, please remember to keep your phone open and don’t miss or reject calls from strangers. After submitting the application, the approval result will usually be available soon. Once the application is approved, the cash can be withdrawn to your account on the same day. It should be noted that the limit of Exclusive Loan is actually shared with Manyidai. If the amount exceeds Manyidai, you can choose to borrow and withdraw money.

3. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "individual to individual". The so-called P2P online lending refers to individuals borrowing money from each other through online platforms. Lenders publish loan requirements on P2P websites, and investors lend funds to lenders through the website. The biggest advantage of P2P online lending is that borrowers who are difficult to reach by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world.