Extension: 1. For private loans with regular repayment, the limitation of action is 3 years from the date of the expiration of the repayment period, and the right to request protection from the people's court is lost after the expiration. 2. For private lending with regular repayment, if the debtor fails to perform the debt after the expiration of the agreed period and issues a debt bill with no repayment date, it shall be deemed as the interruption of the limitation of action, and the limitation of action shall be recalculated from the second day after receiving the debt bill.

Expanding WeChat lightning loan is currently not on credit. Judging from the regulations of lending financial institutions, there is no clear regulation on whether WeChat lightning loan is granted credit. In other words, if the lending financial institution collects credit information, the applied WeChat lightning loan will be collected at the meeting.