Mobile phone loan is the first full-process online credit application based on mobile internet in China, and it is a mobile innovation of traditional personal credit business. Headquartered in Shanghai, the company is a "new financial life advocate" developed by Shanghai Qianlong Financial Information Service Co., Ltd., and its mobile phone loans are mainly aimed at high-growth customers aged 23 to 35. This group has a great demand for increasing the loan amount. So how can mobile phone loans increase the loan amount? First, increase the number of loans, increase the number of loans and repay them on time. Although there is no guarantee that the quota will be increased every time, there is still much room for improvement if the initial quota is 1000. Second, improve personal information and improve personal information. The combination of credit card and sesame credit information is the most important thing to prove your credibility. Third, apply for staging and use staging. The initial loan amount is1000-5,000 yuan, but the installment amount is 3,000-10000 yuan, and the amount applied for installment is generally relatively large. Fourth, choose new loan channels Generally speaking, the amount of new loan products is higher than that of old loan products. Therefore, under the same conditions, the probability of new loan products will be higher. However, borrowers should pay attention to the screening of platforms when choosing new loan products, and choose to borrow through formal platforms.
Second, will the mobile phone loan? Have you thought about these consequences!
In recent years, with the popularity of smart phones and the development of the Internet, borrowing money through mobile phones has become the main way for everyone. After all, no one wants to queue up at the bank with all kinds of information, and time is money, so how can we borrow money quickly! However, the huge profits of the mobile phone loan industry have also attracted many illegal institutions, disrupted the market, and there are also many excessive users. Are they worried that the applicant will be put on file?
Generally speaking, no.
Most mobile phone loans are credit loans. Credit loan is a product without mortgage guarantee, so the amount will be relatively low, and most people may range from thousands to tens of thousands at most. Therefore, the way for online lending institutions to collect money is mostly telephone collection. After all, if you really want to hire a lawyer, you have to pay a fee and spend thousands of dollars, which is time-consuming and laborious. Online lending institutions will not waste this time and energy.
However, bank loans are not necessarily, because bank mobile phone loans are also overdue. If they are overdue for more than 90 days, it will be dangerous, and there will be expropriation, and the losses will be great.
If the mobile phone loan is not accepted, what impact will it have?
1, violent collection. Most online lending institutions use telephone bombing to urge you to repay, so I suggest that you can negotiate with online lending institutions to determine the repayment plan to avoid telephone harassment. If the circumstances are serious, complain to the banking regulatory bureau.
2. Personal credit information. At present, many formal online loans will receive credit information, so overdue repayment will definitely leave a credit stain, which cannot be repaired with money. It is better not to apply for a mortgage in the future. Third, on the issue of mobile phone loans.
In this case, the deduction may be unsuccessful, or the money may be deducted, but the third-party payment institution failed to record the deduction in the official account of the mobile phone loan in time. Therefore, you should contact the payment institution (such as continuous payment and fast payment) when you are sure that the deduction has been successful, and then continue to contact the customer service staff of the mobile phone loan.