Speaking of ant flowers, everyone is familiar with them in JD.COM now. In fact, when it was first launched, there were Suning's consumer loan products, which were juxtaposed with JD.COM glistening flowers and ant flowers, and it was also very popular at that time. For people who often buy online, it is very useful and can solve their monthly economic pressure. However, its consumer loan products are not particularly popular in recent years. In fact, it is because people will receive credit information every time they consume in the process of using it, which has seriously affected people's lives. Many people will ask, can the credit information of discretionary payment be revoked and how to close it in Suning? Let's get to know each other.

Can discretionary payment be revoked?

As early as 16, borrowers broke the news one after another. Many people said in the Post Bar Forum that, unlike micro-loans, loans and JD.COM IOUs, the voluntary repayment will be displayed in the newspaper regardless of whether you are overdue or not, which may cause bad effects, such as hundreds or tens of yuan.

Because discretionary payment is a product of Suning's consumer finance, and consumer finance companies are different from other lending institutions, belonging to non-bank financial institutions, which are directly supervised by the CBRC, and there are restrictions on the use, amount and amount of loans, including the way of credit investigation. Unlike other institutions, some users may find it unacceptable.

This adjustment is estimated to be completed under pressure and on the basis of multi-party coordination. According to the announcement, the display mode of credit payment will be changed to one in the future, and the previous ones will be adjusted one after another. Borrowers who were worried before can check the credit report to see if it has been revised.

How to close Suning's arbitrary payment

1, cancel the account. If all the loans of Suning Consumer Finance are settled, you can apply for account cancellation, and the discretionary payment can no longer be used. Note that once the account is closed, you can't apply again in the future.

Method of account cancellation: Call Suning Consumer Finance for manual handling.

2. Don't move. If you still have some nostalgia for willful payment, but don't want to use it again, and avoid spending it again, you can download Suning Financial app- Homepage of willful payment-My-online customer service, and there will be special customer service handling.

Whether it is to close an account or freeze an account, you need to pass the identity verification of Suning customer service first. After confirming that there are no open products under the name, you can enter the checkout process, which will be completed in about 1-3 working days. Remember, if the account is closed, you can't open it again. Treat it with caution.

Through the above introduction, we can know that the credit record of Suning's arbitrary payment cannot be revoked by itself. If you want to cancel, you must wait five years, otherwise the system will automatically cancel. However, many people want to close this loan product. If you want to close this loan product, you can use the above two methods. I hope these introductions can help you.