It is also a credit card billing installment APP that serves the majority of credit card holders and helps users solve credit card problems. Huanbai APP 2065438+entered the market in June 2006, and was jointly operated by Shuhe Technology and Focus Small Loan.
It is also an installment service APP based on multiple scenarios of life consumption, providing young people with various services such as bill installment and commodity installment. Users can enjoy more flexible, convenient and efficient installment life service in shopping, consumption and repayment scenarios.
：
I. Precautions for Loan Bank Card
1. Because the bound bank card bears the responsibility of repayment, you must look at the banking institution designated by the lending institution clearly to avoid the failure of withdrawal due to the wrong card binding.
2. Try to choose common cards for bank cards to avoid freezing, loss reporting, expiration, dormancy, sleep, locking and card withdrawal, which will also lead to loan withdrawal failure.
3. The bank that the lending institution cooperates with may change. If the bank card is invalid, you need to log in to the background in time to modify the bank card information.
Second, the consequences of bank loans overdue.
1, resulting in penalty interest.
The regulations of each lending institution are different. As long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest. The longer the time, the higher the cost.
2. Take collection measures
If it is overdue for a long time, lending institutions will send staff to collect it, while financial institutions generally will not adopt violent collection methods, but it will also have a certain impact on personal life. It is recommended to repay as soon as possible.
3. Affect credit
As long as the lending institution accesses the credit information, it will leave a bad record after the deadline. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect many businesses in the future, and even be restricted from leaving the country and not being able to take planes or high-speed trains.
4. It depends on the tolerance period of the lending institution.
At present, most lending institutions consider from the perspective of humanization, one is to avoid hurting customers' face, and the other is to recover debts. Generally, a grace period of 3-5 days will be given, and some bad records will be recorded after the grace period. Some lending institutions will clearly tell lenders that there is a tolerance period for repayment, while some lending institutions have not clearly stated that there is a loan tolerance period. When loans overdue exceeds the tolerance period, it will be credited. Therefore, how long it takes loans overdue to grant credit depends on the tolerance period of lending institutions.