How long can Ctrip's financial line be locked and can it be borrowed again?

If Ctrip's financial limit is locked because the previous loan repayment is overdue, resulting in credit damage, then customers will pay off the arrears in time and then spend more time to accumulate good credit. It may take three to six months to improve credit, and personal credit will gradually improve. At that time, the bank may be unlocked and customers can borrow again.

And if it is only because of the system optimization and upgrade, then after the system optimization and upgrade is completed, the quota will naturally be restored immediately, and customers can borrow it again immediately. As for the time required for system optimization and upgrade, it may be completed on the same day, sometimes it takes three to five days, and sometimes it may take longer. In short, just wait patiently.

How long does it usually take for Ctrip's financial line audit?

Under normal circumstances, the approval of Ctrip's financial line can generally be completed on the same day. If it is fast, it will be received within one hour (subject to the actual arrival time).

It should be noted that the time for approving the loan amount is related to the funder, the withdrawal bank card, the application time, the credit standing of the customer and the information provided. If the platform is short of funds and busy with business, the approval may be delayed and take longer, but most of them can be completed within three to five days.

How does Ctrip Finance repay in advance?

If the loan of Ctrip Finance needs to be repaid in advance, customers can repay in advance as long as they find the loan they applied for on the loan page of Ctrip Finance APP and choose the prepayment option.

It should be noted that if the repayment method is selected at the beginning, the handling fee may be paid according to a certain proportion of the remaining principal when repaying in advance. Of course, if you choose to calculate interest on a daily basis, there will be no formalities fee for prepayment, and the interest will only be calculated until the prepayment date.

How to lift the quota locked by Ctrip Finance?

Ctrip Financial locked in the loan quota because the credit qualification conditions of users have changed, and users cannot obtain loans through the quota. In this case, the user must reapply for the quota, and after passing the system audit, the system will give a new loan quota. Of course, it does not rule out that users have overdue repayment before, so the system has locked the quota, which means that the system will not provide loan services to users for the time being.

One; In addition, when the user's loan is not approved, even if there is a quota, the loan funds cannot be obtained, because the credit line is not equal to the final loan line. Finance refers to the economic activities in which banks, securities or insurance companies raise funds from market entities and lend them to other market entities. Broadly speaking, all capital flows generated by the government, individuals, organizations and other market entities through raising, distributing and using funds can be called finance. Therefore, not only the financial industry, but also the government's finance, the behavior of industrial enterprises and personal financial management are all part of finance. Finance can be regarded as three economic behaviors: fund raising and distribution (financing), investment and financing (borrowing money to buy stocks). The core of finance is the exchange of value across time and space. All transactions involving the distribution of value or income between different times and different spaces are financial transactions. Finance is to study why the value exchange across time and space appears, how it happens and how it develops.

There are five elements of integration:

1. Financial object: currency (funds). The currency circulation regulated by the monetary system has the characteristics of prepayment, turnover and appreciation;

2. Financial model: represented by the credit model of lending. The trading objects in the financial market are generally written proof of credit relationship, contract documents of creditor's rights and debts, etc. Including direct financing: no intermediary intervention; Indirect financing: financing realized through the intermediary role of intermediary institutions.

3. Financial institutions: usually divided into banks and non-bank financial institutions;

4. Financial place: financial market, including capital market, money market, foreign exchange market, insurance market, derivative financial instrument market, etc.

5. System and control mechanism: supervise and control financial activities.

Second; P2P finance is in the initial stage in China, but there is no clear legislation. Domestic microfinance is mainly hosted by China Microfinance Association. The legal basis for reference is mainly "Ali Xiaoyu won the first case of the national online loan dispute". With the development of network and social progress, the regularity and legitimacy of this financial service will be gradually strengthened, and the advantages of network technology will be brought into play under effective supervision to realize the ideal of inclusive finance. Cross-border, in the process of rapid change and evolution of business model, "cross-border" represents a new fusion of life attitude and aesthetic way. The internet is using the power of technology to pry open the door of all traditional industries, seemingly aggressive "cross-border"; There are also pioneers who try to break through the existing doorframes, enter the new world and expand their territory.

How long will Ctrip's financial line be locked?

It can be unlocked after reapplying for the quota. Due to the change of user's credit qualification conditions, users can't get loans through this quota, and Ctrip Finance has locked in the loan quota. In this case, the user must reapply for the loan limit. After the system is approved, the system will give a new loan amount. Of course, it is not excluded that the user has overdue repayment before.

If the system locks the quota, it means that the system will not provide loan services to users temporarily. In addition, when the user's loan is not approved, the loan funds cannot be obtained, even if there is a credit line, because the credit line does not mean that the last line has not applied for any loan credit business for at least 2 months, because no matter whether it is successful or not, the credit inquiry will leave a hard inquiry record.

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1. Otherwise, if you apply for borrowing flowers again, you may get stuck if you see more query records within 2 months. It is relatively simple to maintain credit by handling credit business, that is to say, if you have a credit card, you have to swipe some points every month. The key is to repay the loan on time and standardize the use of credit cards. Put an end to abnormal transactions and increase the number of credit inquiries. If you have a loan, it won't expire. In fact, if you have a quota, you can't borrow money, which is normal. After all, borrowing requires a comprehensive evaluation of the user's credit status. The evaluation requirements are more stringent than when granting credit. You will check the credit survey to understand the credit and liabilities of users. Generally speaking, people with good credit, less debt and strong repayment ability are more likely to borrow money. From the feedback of many users, most people are trapped in the inability to borrow a certain amount of credit information.

2. For example, some people have not paid their debts before borrowing, or have been in debt for three or six times in the last two years. These are all objects that must be rejected. In addition, although there are no overdue records, it is impossible to query the records in the past two months more than six times. Ctrip's loan amount is evaluated irregularly by the system, and will change with the change of the borrower's credit status and account status. For example, if the credit conditions continue to improve, the account activity is high and the credit score is improved, the loan amount may increase. On the contrary, the loan amount may be locked, and it is necessary to reapply for the loan amount. Therefore, if you lock in and reapply for the loan amount, you can find the reason from the user's credit status and the user's account status.

3. User's credit status: Usually the most obvious change is that the credit is not as good as before, which affects the repayment ability. You can check whether the credit information has expired or there are too many inquiry records; Then judge the personal debt ratio from the debt situation shown in the credit report, maintain a good credit, reduce the debt ratio as much as possible, and the probability of reapplying for the quota will be higher. Current status of the account: if the activity of the account is very low, the account has been borrowed for a long time, or Ctrip illegally handles loans, overdue loans or other credit products, such as paying flowers and not repaying on time, etc., resulting in a decline in the comprehensive score of the account and failing to meet the evaluation standard of the loan amount.

What if Ctrip's financial line is locked?

Ctrip's financial line is locked. If it is caused by loans overdue before, the system will re-evaluate the user's Ctrip financial account after the user pays off the previous arrears, and the bank will be unlocked after the evaluation is passed. Because the user does not meet the loan conditions of Ctrip Finance, the quota is locked. Only when the loan conditions are met will the quota be unlocked.

In short, there are different reasons for Ctrip's financial loan quota locking, and users need to adopt different solutions. Please solve the problem pertinently to unlock the quota.