Rong360 said that you have been approved and asked you to go to the store to apply. This means that it has not successfully obtained the loan, has not bound a bank card, and has not issued a loan. It has not even signed a contract, but has only passed the qualification review. . You don’t have to go to the store to apply for it at this time. It will not affect your credit or your future loan application, so whether the situation this person said is true.

Only after you have signed the loan contract and the loan platform has issued the loan, but you no longer want the loan, it is considered a breach of contract. In this case, you can apply for early repayment. If you do not sign a loan contract, then you do not apply for a loan and it will not affect your credit.

How to cancel the loan?

1. If the loan is applied for under normal procedures, after the loan is approved, there will be a signing procedure for the loan receipt (six sheets). As long as there is no signature, the loan cannot be issued and will be terminated naturally. Loan origination process.

2. If the loan is being approved, you can apply to the account manager to terminate the loan approval process;

3. If the loan has been disbursed, you can only repay it in advance. Prepared, but it must be completed within one year, otherwise liquidated damages and handling fees will be incurred.

Rong360:

Rong360 is an intelligent search platform focusing on the financial field, providing professional online search and application services for loans, credit cards and financial management for enterprises and individuals. Rong360's loan business covers personal consumption loans, business loans, housing loans, car loans, etc. The platform uses big data technology to solve the problem of information asymmetry in the loan process. Through the unique intelligent matching system of Rong360 | Jianpu Technology (NYSE: JT), users can compare tens of thousands of loan products in one stop, screen products and submit applications directly. For banks, Rong360 is a marketing channel to acquire high-quality customers in batches. Rong360 Credit Card Channel is part of a comprehensive financial information service platform. The credit card channel serves all "people in need of credit cards", from fashionable white-collar workers, entrepreneurial experts, to blue-collar technicians, field farmers, etc., through the "recommendation + filtering and matching" method to help users find the most suitable credit card and reduce user acquisition cost; and the card application experience, card application speed, and card approval rate are continuously optimized to make the user experience better. At the same time, the credit card channel also improves the bank's marketing efficiency.