The credit line of personal consumption loan of China Post Wallet is valid for 12 months, counting from the date when the borrower's application for credit line is approved. Before the validity period of the line expires, China Post Consumer Finance will evaluate whether to renew the loan according to the comprehensive situation of the borrower. If the user wants to cancel the China Post wallet, in addition to letting it expire, he needs to send the photos of the front and back of the ID card and the hand-held ID card to the mailbox of China Post Consumer Finance Company, and the mailbox will be named as the borrower's name, ID number and mobile phone number. If the email is sent successfully, you need to call the customer service hotline of China Consumers Association to let the staff register. After that, China Post Consumer Finance will accept the user's cancellation application, and after a period of time, China Post wallet will be successfully cancelled. However, even if China Post's wallet is cancelled, the loan application record or loan record in personal credit information will not be deleted.
1. Notes on loan:
1) Loan amount:
Many friends hope that the higher the loan amount, the better. But they don't know that the loan is determined by your own conditions. After accepting the loan application, the lending institution will review the materials submitted by you, evaluate them according to your credit standing, age, occupation, assets, income, marriage and mortgage, and finally get the loan amount. Among them, account flow, credit, work and assets have great influence on the final quota. Due to the different risk control, policies, products and processing time of various lending institutions, the amount assessed by different institutions in the same situation is quite different or small. Just like we apply for credit cards, we apply for five or six banks, some with more banks, some with fewer banks, and some don't even approve credit cards. Therefore, many professional intermediaries can make some relevant plans according to the different mechanisms of these lending institutions to ensure that your loan amount is maximized. But pay attention to some black intermediaries who cheat lenders with high-limit signs.
2) Loan information: The borrower must ensure that the information it provides to the lending institution is true and complete. Once the borrower is found to be suspected of fraud, the lending institution will directly refuse the loan.
3) Loan purpose: When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.