1. First of all, from the perspective of platform strength, New Orange Premium is an online lending platform operated by Jinzhong Longxin Internet Microfinance Company and Xinliu Big Data Company * * *, and its predecessor is the well-known New Orange Staging. Jinzhong Longxin Internet Microfinance Company is a member of Shanxi Microfinance Association, and Xinliu Big Data Company is a data company invested by 36, Softbank and PICC Capital. Therefore, on the whole, the platform strength of New Orange Premium is relatively strong.

2. Secondly, from the perspective of operation mode, New Orange Premium is a personal credit loan without any guarantee or mortgage. The application method is very simple, which is mainly divided into two loan modes: credit card and no credit card. The credit card has a relatively high amount, and the maximum amount can be applied for 5, yuan, and the maximum amount can be applied for 3, yuan without credit card, which can be repaid in three installments. In terms of interest, it varies from person to person, that is to say, the higher your comprehensive credit score, the lower the loan interest, so when you apply for new orange excellent products, you must fill in more certification materials on the premise of keeping it true.

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1. Why does the central bank allow new orange premium products to receive credit information?

1. Default interest: No matter what kind of financial loan products, as long as everyone fails to repay on time and is overdue, default interest will be generated at the first time, and interest will be charged on a daily basis. The longer you are overdue, the greater the overdue amount will eventually snowball, which will bring heavy economy to everyone.

2. Mental stress: At present, all online lending institutions have matching collection methods, and New Orange Premium will also arrange special collection personnel to collect the debtors for a long time until the debts are paid off. Specific collection methods include calling your own phone, calling your contact person, etc., so that everyone can know that you are a person who owes money and keeps his word, so that the debtor can't hold his head in front of relatives and friends.

3. Credit damage: If you see in the loan contract that it is a consumer finance loan from Shanxi merchants, you must be careful. After the loan is overdue, New Orange Premium will report the borrower's bad use of money to the central bank's credit information system and sesame credit and other private credit information systems, leaving a stain on personal credit information, which will affect everyone's future application for mortgage, car loan and credit card.

2. How many days' grace period does the new orange premium product have:

The repayment grace period of the new orange premium product varies according to different lending banks, which is usually within one week, but the actual grace period announced by the loan shall prevail. It should be noted that the new orange premium can also be repaid in advance, but there will be no reduction or exemption of handling fees or interest when repaying in advance.

3. What time can the new orange premium product be repaid in the morning?

The repayment date of the new orange premium product is until 24 o'clock in the evening. However, it is generally recommended to repay early, which is also convenient for the system to audit. If there is something wrong with the system, it will be easy to overdue.

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