1. Lender official website applied. 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, special cancellation pages are cancelled.
2. Lending institution app application. Take Alipay as an example;
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: v 10.2.53
Open Alipay APP and cancel in the relevant interface of Alipay loan processing.
3. Lender WeChat official account application.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: v8.0. 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 borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Second, if the online loan previously registered by the customer is to be eliminated, it is only necessary to directly cancel the loan account 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; You can also apply directly by telephone.
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 cancellation of loan accounts.
Fourth, although the loan account number on the online lending platform can be cancelled, the loans and related repayment records that customers applied for on the platform before cannot be eliminated, and generally remain in big data (credit information) and cannot be manually intervened.
How does verb (abbreviation of verb) eliminate the record of online loan application?
1. The records left by the general online loan application will be permanently stored in the credit information (big data), which cannot be forcibly deleted manually, and the system will not actively delete them. But 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 "invalid" because of too many loan records, the customer will temporarily keep it for at least three months without applying for a new loan (and can repay the outstanding loan under his name during this period). After three months, the "lack" of credit information (big data) should be improved.