The online loan cancellation method is as follows:

1. Take Instant Finance as an example, open the mobile app store, search for Instant Finance and install it.

2. After the installation is completed, open the client, and on my page, click Settings.

3. Next, click Accounts and Security.

4. Next, click self-service account logout.

5. On the subsequent page, click Cancel Application.

2. How to solve the cancellation of online loan account?

1. Call Lending Bao Customer Service with your mobile phone;

2. After dialing, press "9" to go to manual service. After the transfer is successful, feedback needs to freeze the loan account;

3. If the customer service needs information, it can be frozen successfully. Although the frozen loan account cannot be completely closed, it actually has the same function as closing the account. After the loan account is frozen, the account can't do anything, even the simplest login function.

Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person". Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

superiority

1. The annual compound income is high.

The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.

2. Simple operation.

All the processes of authentication, bookkeeping, clearing and delivery of online loans are completed through the network. Both borrowers and lenders can achieve the purpose of lending without leaving home, and generally the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.

3. Open your mind

Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.

disadvantaged

1. Unsecured, with high interest rate and high risk.

Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. Credit risk.

The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

3. Lack of effective supervision means.

Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

3. How to solve the cancellation of online loan account?

Call Lending Bao Customer Service with your mobile phone; After dialing, press "9" to go to manual service. After the transfer is successful, feedback needs to freeze the loan account; If information is needed, it can be frozen successfully.

Although the frozen loan account cannot be completely closed, it actually has the same function as closing the account. After the loan account is frozen, the account can't do anything, even the simplest login function.

Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".

Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

Advantages: high annual compound income. The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.

Simple operation. The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage.

It is convenient for both borrowers and borrowers. Enlightened online lending promotes the interaction between industry and finance, and also changes the observation horizon, thinking context, credit culture and development strategy of loan companies, breaking the original lending situation.

Disadvantages: unsecured, high interest rate and high risk. Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all.

Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

Credit risk. The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it.

Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently. Lack of effective supervision means.

Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them.

However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

4. How to cancel the online loan information

00 1 cancellation of online loan accounts has both advantages and disadvantages. Here are some precautions to remind you before "closing the account": 1. Credit record Many people will think that the bad record left on the credit record will disappear when I pay back the money and cancel my account. That's not true. Overdue and seriously overdue records will be shown in the report of the Credit Information Center of the People's Bank of China for 5 years, and will be automatically eliminated after 5 years of debt settlement.

(The owner probably said 100 times) 2. Operator password and address book record The operator password was originally authorized to the loan platform to view your communication records and contacts. Now You're screwed.. If you don't change your password, your contacts and phone records will still be in the hands of the online loan company! I feel that my information has to be monitored by others at any time. Should I delete it immediately? ▲ Many platforms are not as secure as they say ~ Therefore, the shopkeeper suggested that your password must be changed. Call the operator's customer service phone directly (Unicom, Mobile, Telecom) and find someone to change the password directly! But remember to close the account.

3, registration information When we are online lending, the most tiring thing is to fill in a lot of personal information, such as the front and back of the ID card, the bound bank card, the social security provident fund, and the account password of the People's Bank of China. If you want to eliminate this information, you must cancel the online loan account.

And this is also to prevent your personal information from being leaked and used by some illegal platforms, otherwise you will suffer. ▲ Borrow friends to share the correct way to cancel your account 4. What does it mean to permanently cancel the online loan account? That is, once the account of a certain platform is cancelled, there is no way to apply for this online loan.

Because an identity corresponds to a mobile phone number, even if you change your new mobile phone number, you can't register! It takes only three steps to cancel the online loan account. Those who ask the shopkeeper how to cancel can try: Method 1: Remember to download the APP—— of the platform you registered first-check your personal data to see if there is the word "cancellation" in your personal data. If so, just log off directly online! Method 2: Contact the customer service of the online loan platform and ask to freeze the account. After freezing the account, you can't use it again, and you don't have to worry about the account information being stolen. Many online lending platforms can do this in the background. Method 3: It is said that some online lending platforms also say that as long as you pay off the arrears, uninstall the APP and don't log in for one month, the system will automatically cancel your account.

However, this kind of service is only an online loan platform, and whether it is really cancelled cannot be guaranteed. So which platforms can cancel accounts at present? Friends in the group personally verify that the following platforms can be logged off: 003 platforms that do not provide logout services. You can do it. Some platforms actually don't mention the service of suppliers and customers, and even you can't contact the platform. At this time, you can do this to prevent risks: change all personal information, change the platform password and operator password, and remember to unbind your personal bank card. Even if these platforms can't cancel your account, as long as you do, it is basically impossible to disclose data or monitor your personal account information.