The information registered in Rong 360 official website cannot be cancelled temporarily, but the personal information applied above will be strictly protected by the platform, and the information registered on the platform is absolutely safe.
If you apply for a loan and want to cancel it, as long as you don't answer the verification phone, you won't lend money, but it will have a certain impact on your credit and any subsequent loans will have a certain impact, so you should think carefully before applying for a loan.
Extension: Rong 360
Rong 360 (Beijing Rong Century Information Technology Co., Ltd.), a typical format of "Internet finance", is a new type of online financial service company, which uses big data, search and other technologies to visually present financial products of hundreds of banks to users.
Rong 360, founded on 20 1 1, is an intelligent product selection platform for mobile finance, providing search and comparison services and application services for financial products such as loans, credit cards and wealth management.
Why can't I cancel the loan order for 360?
The staff who contact directly can make it clear, or call back to cancel.
The process is as follows:
(1) The borrower shall submit a series of materials other than the ID card to the bank.
(1) loan application approval form; (The lender shall fill in directly at the lending institution).
(2) proof of residential address; (Certificate issued by neighborhood committee or invoice for water and electricity payment).
(3) proof of work and income.
(4) Other information required by the bank.
(5) After the application materials submitted by the borrower have been approved by the bank, both parties sign a loan contract.
Why can't I cancel the loan application for more than 360 yuan?
The loan application will also be displayed on the credit record and will not be eliminated in the short term;
The Regulations on the Administration of Credit Information Industry stipulates that:
1. The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
2. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis, which cannot be tampered with. The bank will not make any bad comments on the usage records, but only truthfully feedback the historical usage records without making any subjective judgments. If you apply for loan business in the future, the loan bank will comprehensively refer to your credit record, not only for a certain period, but also for a good record of consumption and repayment, which will continuously increase credit.
3. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.
So much for the introduction on how to cancel the 360 loan slip.