Users need to apply for a refund in the transaction record of the deposit, or they can directly call the manual customer service hotline of the lightning loan to apply for a refund of the deposit. If the customer service refuses the user's request or is in arrears for a long time, the user can contact the relevant department to make a complaint.

You can apply for a refund in the secured transaction record of lightning loan. You need to select the amount of protection, click on the purchased protection card, and then click on the protection record in the upper right corner to initiate a refund. The guarantee of lightning loan can only be refunded after 24 hours, and users can initiate a refund after 24 hours.

If the customer service refuses to refund, the user can log on to the website of 3 15 or log on to the website of 2 1CN to make a complaint. The complaint website is an Internet information service public account approved by the central network letter, which is safe and secure.

Generally speaking, after the user complains, the deposit will be returned to the user's bank card within 3 days, and the user needs to wait patiently. Online lending software that needs to pay a deposit or membership fee is not a loan product, but a loan platform, which plays the role of a loan intermediary.

Regular lending institutions will not charge users any guarantee fees, application, review and loan fees, but only interest fees and overdue fees in accordance with relevant regulations.