1. Take China Construction Bank as an example; Log in to the personal online banking login portal of China Construction Bank (/home/indexv3.html); In official website, the special cancellation page is cancelled.
2. app application of lending institution. Take Alipay as an example;
operating environment:
brand model: iPhone13
system version: iOS15.
APP version: v1.2.53
open AliPay app and cancel it in the relevant interface of Alipay loan processing.
3. The lender WeChat WeChat official account applied.
operating environment:
brand model: iPhone13
system version: iOS15.
app version: v8..17
open wechat and cancel it in the menu bar at the bottom of wechat.
4. If you can't find a service to support loan cancellation without the above methods, you can directly call the customer service phone of the lending institution to cancel.
1. What is a loan
A simple and popular understanding is to borrow money with interest.
loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
2. If the online loan previously registered by the customer needs to be cancelled, just cancel the loan account directly on the platform and unbind the bank card. Some can find the cancellation entrance in the APP; Others may not be displayed directly. In this regard, customers can contact the manual customer service on the platform to apply for cancellation; Or you can apply directly by phone.
third, some platforms may require customers to provide photos of the front and back of their hand-held ID cards to prove that they are themselves after they apply for canceling their loan accounts.
fourth, although the loan account number on the online loan platform can be cancelled, the loan and related repayment records previously applied by customers on the platform cannot be eliminated, and they will generally remain in big data (credit information) and cannot be intervened manually.
v. How to eliminate the online loan application records
1. Generally, the records left by online loan application will be permanently kept in the credit information (big data), which cannot be forcibly eliminated manually, and the system will not actively delete them. However, as long as there are not too many such records, it will not bring any adverse effects to customers. You can rest assured.
2. if the credit information (big data) becomes "spent" because of too many loan records, the customer will temporarily keep at least three months from applying for new loans (and can repay the outstanding loans under his name during this period). After three months, the situation of "spent" credit information (big data) should be improved.