Is it easy to pass the Shanbei review?

Hello, the difficulty of passing the Shengbei review depends on the user himself. Shengbei is an APP for repaying credit cards, and the entire application process is conducted online. From registration to uploading ID card and facial recognition, it only takes a few minutes at best. But for auditing, because the system mainly relies on risk control to decide whether to lend money to users, it is not so easy to pass the audit. Users who meet the conditions and have good credit qualifications have a higher probability of passing the review.

The difference between Shengbei and Huanbei

Shengbei and Huanbei do have many similarities. They both provide low-interest and efficient credit card bill installment services to credit card users, but they There are still some differences between the two. The differences are as follows:

1. Shengbei is one of the earliest credit card inter-bank bill installment products in China. It was developed by Shenzhen Samoyed Financial Services Co., Ltd., and Huanbei is provided by Chongqing Focus Small Loan, a licensed financial institution. The company operates jointly with Shanghai Shuhe and went online in June 2016

2. The loan limit of Shengbei is 1,000 to 20,000 yuan, and there are currently three installments of 3/6/12 to choose from. The loan amount of Bei is 1,000 to 30,000 yuan;

3. The borrowing interest rate of Bei is 40% off the minimum credit card repayment interest rate (18.25 annualized), and the borrowing interest rate of Bei is the minimum repayment of credit card 50% off the interest rate (18.25 annualized).

Shengbei will go up for credit reporting

Judging from the feedback from netizens, Shengbei will go up for credit reporting.

Because the capital of Shengbei includes 19 licensed financial institutions including Baoshang Bank, Harbin Bank, Hangzhou Consumer Finance Company, Jilin Bank, China Foreign Trade Trust Co., Ltd., Baixin Bank, and Suzhou Bank. Cooperation, these are formal licensed lending institutions, so there is a high chance that it will affect your credit report.

Once the repayment is overdue, not only will the credit score be blackened, but it will also affect the credibility of the province, making it difficult to obtain a credit limit in the future.

What will happen if the provincial bet is overdue?

1. Overdue records will be uploaded to the credit record, which will affect subsequent house purchases and card applications. If the case is serious, a series of measures will be taken.

2. Overdue penalty interest. Penalty interest will be calculated on a daily basis, and the specific rate is subject to the page display.

3. Telephone collection. If you continue to fail to repay, you may be bombarded with phone calls and harassed in your address book.

To sum up, as a formal credit card repayment software, Shengbei has strong financial support behind it and has already intervened in the credit reporting center. Overdue credit cards will have serious consequences. Is it easy to pass the review for saving credit card? You will understand after reading it!

Friends who know Shengbei know that Shengbei is a credit card reimbursement platform under Samoyed Financial. Its main function is to help cardholders repay their credit cards. Every application for repayment needs to be reviewed. , the money will be released to the bound credit card only after it is approved. So, is it easy to pass the review of the Shengbei Repayment Credit Card? Let’s find out together below.

Is it easy to pass the review of the Shengbei Repayment Credit Card? As far as I know, if you want to apply for a credit card repayment on Shengbei, you must first register an account. This can be done directly online. After registering the account, you also need to upload your ID card and complete the face recognition. The whole process It can be completed in about 5 minutes. However, if you want to withdraw the quota, you must go through an review, and this review process is not that fast. It may take a few hours at the fastest, or several days at the slowest. However, if the conditions are met, the probability of passing the review is relatively high. Generally, applicants are 24-35 years old, highly educated, and have a good credit record. The credit card under their name has a very high level and a large limit, so the review is easier. Mainly, the system conducts a comprehensive evaluation based on the applicant's credit rating and other data, and cannot draw a conclusion based on just one or two points. For this reason, some users often say that their credit is good, but their application for Shanbei was rejected immediately; and some cardholders were overdue, but they easily obtained the credit line from Shanbei. The above is the relevant introduction of "Is it easy to pass the review of Shanbei Payback Credit Card?", I hope it will be helpful to everyone.

What should be reminded here is that even if Shengbei passes the review, there are some things you need to pay attention to during use. For example, Shengbei is a loan from Harbin Bank, so the application is subject to a credit check. For this reason, you must pay it back on time after using it. Otherwise, your personal credit report will be affected due to overdue payment. Is it easy to apply for Shengbei?

Question 1: Is Shengbei easy to use? Many of my friends and I are also using it. Shengbei can not only save money, but most importantly, it can solve urgent needs. Credit card repayments can be applied directly from Shengbei, which can avoid the consequences of overdue credit card repayments. credit issues.

Question 2: How long does it usually take for banks to review Shengbei? Registration applications for Shengbei are all online, without face-to-face interviews, and the review can be completed in as little as half an hour.

The Shengbei system will automatically review the application, and there is no need for the bank to review it separately.

Question 3: Is it easy to apply for Shengbei? According to relevant regulations, generally for account opening without face-to-face identity verification, such industries require the corresponding five elements for cross-verification, and the operation you mentioned Information such as the real-name authentication of the merchant is exactly one of these five elements. Let’s find out more about it.

Question 4: What are the application requirements for Shengbei? Do I need a credit card to apply? This depends on the actual situation, and can be divided into several categories: 1. Proof of unit income, 2. Individual industrial and commercial households, 3. Qualified star customers, 4. Large deposits, 5. Bank recommendation, etc. I hope this can help you

Question 5: I am a college student. Will I be successful in applying for the provincial bet? Please submit as complete information as possible. When the official customer service calls for review, you will show your repayment ability. It will be good if you can repay the loan on time every month without overdue payment.

Question 6: When applying for Shanbei, is it true that the information cannot be completed once? The registration application process for Shanbei is as follows. You can prepare the information in advance. Even if the information is incomplete, it does not matter. You will use the APP later. Just add it.

Step 1 Download and register: Download the Shengbei artifact from the app store and complete the registration with your real-name certified mobile phone number.

Step 2 Quota application: Follow the prompts in the APP to complete identity verification, card binding and mobile phone verification.

Step 3 Credit limit review: Based on your credit status, you can obtain the corresponding credit limit through Shengbei review.

Step4 Repay the credit card: After obtaining the limit, click "Borrow money to credit card" to repay the credit card.

Question 7: If the provincial bet application is approved, can I not use it temporarily? It is definitely possible to apply for approval and not use it for the time being.

The money borrowed from Shengbei itself is used to repay the credit card. When you need to repay the credit card later, you can borrow it directly.

The payment is made quickly.

Question 8: Is it easy to apply for Shengbei? You cannot say whether it is easy to apply for Shengbei. This depends on your relevant information. Shengbei will make a comprehensive judgment based on the information you provide, and the system will automatically review it.

If my answer helps you, I suggest you adopt it.

Question 9: How often can I apply for Provincial Benefit? After normal repayment, the credit recovery time is related to the repayment method. Generally, the quota will be restored within two days at most. The specific time will be determined by the customer service answer.

Question 10: What should I do if I fail to apply for Shengbei? When you register and apply, Shengbei will conduct a comprehensive evaluation based on the information you submitted, including age, education, credit, etc. If you do not pass, it is recommended that you pass. It's time to try again. Is it easy to pass the provincial examination?

Shengbei can help cardholders repay their credit cards, and the expected annual interest rate is 30% off that of credit cards, attracting many cardholders to apply. Many cardholders want to apply for provincial savings, but they don’t know if it is easy to pass. Let me introduce it to you below.

1. Understand that, unlike the cumbersome application process for credit cards, the registration application for Shanbei is completed online. The registration review can be completed by taking a photo of the ID card for identification, and the entire process can be completed within 5 minutes.

2. As long as you are 24-35 years old, highly educated, and have a good credit record, and the credit card level in your name is very high and the limit is large, as long as you go through big data analysis and meet the credit requirements, you will be eligible. Display a credit limit that you can borrow.

3. However, some users said that they had good credit, but they were rejected immediately. However, some users said that they easily obtained the credit limit of Shengbei.

The above is what I have found for you about whether it is easy to pass the Shanbei review. I hope it can help you.