Rong 360 said that you passed the examination and asked you to go to the store to handle it, indicating that the loan was not successful, the bank card was not bound, and even the contract was not signed, but the qualification examination was passed. At this time, you don't have to go to the store, which will not affect your credit, nor will it affect your application for a loan in the future, so what this person said is true.

Only if you sign a loan contract and the loan platform issues a loan, you don't want a loan. In this case, it is a breach of contract. In this case, you can apply for prepayment. If you don't sign a loan contract, then you won't apply for a loan and your credit will not be affected.

How to cancel the loan?

1. If the loan is applied by normal procedures, after the loan is approved, there will be a loan receipt signing procedure (in sextuplicate). As long as you don't sign, you can't issue loans, and the loan issuance process naturally ends.

2. If the loan is under approval, you can apply to the account manager to terminate the loan approval process;

3. If the loan has been paid in place, you can only make preparations for early repayment, but it will take one year, otherwise there will be liquidated damages and handling fees.

Rong 360:

Rong 360 is an intelligent search platform focusing on the financial field, providing enterprises and individuals with professional online search and application services such as loans, credit cards and wealth management. Rong 360 loan business covers personal consumption loans, commercial loans, mortgage loans and car loans. The platform solves the information asymmetry problem in the loan process through big data technology. Users can compare tens of thousands of loan products through the unique intelligent matching system of 360| Jianpu Technology (NYSE:JT), screen products and submit applications directly. For banks, Rong 360 is a marketing channel to obtain high-quality customers in batches. Rong 360 credit card channel is a part of all-round financial information service platform. The credit card channel serves all "people who need credit cards", from fashionable white-collar workers, entrepreneurs, blue-collar technicians, field farmers and so on. , and help users find the most suitable credit card through "recommendation+screening matching" to reduce the acquisition cost of users; And constantly optimize the card handling experience, card handling speed and card checking approval rate to make the user experience better. At the same time, the credit card channel has also improved the marketing efficiency of banks.