1, you can go to the counter. If you handle it at the counter, you can directly ask the staff to cancel the automatic deduction.

2. You can call customer service, select manual service and cancel automatic deduction.

3. You can cancel the bank card binding on the online loan platform.

4. You can log in to our online banking or mobile banking, enter your personal account and select "Fast Payment Management".

Online loan conditions

The basic requirements of online lending include: the applicant 18-55 years old, and his occupation cannot be a college student; The applicant has a certain ability to repay the principal and interest; The applicant has a good credit record and no bad credit record; The applicant completes the real-name authentication with the second-generation valid ID card, real-name mobile phone number and bank card.

After meeting the above basic conditions, users can basically apply for most online loans, but some online loans have special application requirements, such as having to complete credit card authentication and requiring users to have a credit card to apply.

The harm of peer-to-peer lending

1. The rates of some online lending platforms are unclear, and the expressions such as handling fees, overdue fees and liquidated damages are hidden. , may tightly lock the loan students. Once the repayment is overdue, college students are likely to be unable to bear the loss of funds, leading to a credit crisis that dominates consumption.

2. Due to the low threshold of online loan installment consumption, it provides a platform for college students to spend in advance and luxury consumption. However, many college students are heavily in debt because of impulsive consumption, which brings trouble to their normal study.

In case of overdue payment, it will affect the personal credit information of college students in the bank. Once you have a personal credit stain, you will have to pay more than others in the future, whether you apply for a credit card or a loan, and you may even be rejected. In addition, once these small online lending companies change, there are also hidden dangers of privacy information such as student ID cards and college student ID cards.

Disadvantages of peer-to-peer loans

1. Unsecured, with high interest rate and high risk. Compared with the traditional loan method, online loan is completely. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. The inherent capital of the credit risk online lending platform is small, and it cannot undertake large-scale guarantee. Once there is a large-scale loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

3. Lack of effective supervision means Because online lending is a new type of financing means, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

How to cancel the loan application? These methods must be known!

The loan process is complex and changeable, and we will have various problems in the loan process. Then, when we submit a loan application to a lending institution, how can we cancel the loan application? Next, let me answer this question for you.

How to cancel the loan application can be divided into the following situations:

1. If the loan is applied by normal procedures, after the loan is approved, there will be a loan receipt signing procedure (in sextuplicate). As long as you don't sign, you can't issue loans, and naturally terminate the loan issuance process.

2. If the loan is in the process of approval, you can also apply to the account manager for cancellation to terminate the loan approval process.

If the loan has been paid in place, you can't cancel the application. You can only prepare for prepayment, but it will take one year, otherwise there will be liquidated damages and handling fees.

It can be seen that after applying for a loan, you can apply for cancellation as long as you have not entered the stage of loan approval and lending. The specific operation process is as follows:

1, contact the staff of the lending institution;

2. After confirming the identity, apply for cancellation of the loan;

3. The loan has been cancelled successfully.

Regarding how to cancel the loan application, I believe the answer is very clear, and I hope it can bring you reference and reference.

After the loan is approved, I don't want it. How to cancel it?

Many people applied for a loan because they needed money badly, but they didn't want to borrow it for various reasons before the loan was repaid. So can they cancel at this time? How to cancel? What is the impact of cancellation on the applicant? This paper sorts out some related materials for your reference. After the loan was approved, no one wanted it. How to cancel?

Generally speaking, it mainly depends on the circumstances under which the applicant cancels the loan. The cancellation of a loan generally occurs in the following four stages: the loan has not been approved, the loan has been approved, the loan is being issued and the loan has been issued. The cancellation methods at different stages are different and the effect is different.

1. The loan has not been approved yet.

If it is an offline loan, the applicant can directly terminate the loan application if the loan contract has not been signed. If you apply for a mobile phone loan, you only need to contact customer service to apply for a cancellation loan, and you will be approved. At this time, there will be no liquidated damages and no impact on personal credit records.

2. The loan review stage

When handling a bank loan, if the loan contract has been signed, but it has not been submitted for approval, the applicant can cancel the loan. Contact your account manager to explain the situation, and he will report to the bank to terminate the approval process. The same is true of online loans. As long as you haven't passed the audit, you can contact customer service to help you cancel the loan. However, for some online second loans, if you want to cancel after approval, it is recommended to contact the credit manager as soon as possible. Because once the loan is successful, it cannot be cancelled, so you can only choose to repay in advance or at that time.

3. In the lending stage.

In the lending stage, it means that the loan has been approved, but it has not been issued to the borrower's account. It's troublesome to cancel at this time, but as long as the money doesn't arrive, you can still contact the account manager or customer service. Cancelling the loan at this time may have an impact on your credit information and may result in a certain penalty.

4. The loan has been issued.

It is almost impossible to cancel the loan when it arrives. If you really don't want to use it, you can consider prepayment to avoid interest loss to the maximum extent. In this case, it is best to consult the account manager about the terms of bank prepayment, because some banks have certain restrictions on prepayment, some set a certain time limit and are not allowed to prepay, and some banks allow prepayment, but they need to pay a certain penalty, because customers' prepayment disrupts the bank's capital arrangement and has costs for banks, so they have to pay a certain penalty.

Therefore, I suggest you consider whether you really need to use this money before applying for a loan, so as not to cause a bad personal credit record and pay liquidated damages.