If the bank card is cancelled, the funds will not come down.
You may face the problem of default.
If you cancel your bank card and go online again, you won't get the money. You don't have a medium to collect money.
Cancellation of the loan needs to be negotiated with the loan issuing unit, and the user cannot cancel it unilaterally.
If the money is not released successfully, you should consult customer service to understand the reason.
If you want to cancel the loan, the cancellation of the bank card will only lead to the failure to release the loan funds in place and the relevant procedures for the loan have not been cancelled.
Can the loan be cancelled after approval? Generally speaking, as long as there is no payment, even if the loan is approved, it can be cancelled, whether it is a loan or a bank loan. However, because the contract was signed before, the loan will be cancelled after approval, and liquidated damages will be paid. At the same time, it may have a certain impact on personal credit records.
Online loan applications need to pay attention to:
1, loan terms. Many online loans are credit loans, but the conditions are still different. In addition to applying for age limit, student loans are generally not allowed, and there are other requirements. For example, some people will check the credit information and pay more attention to the applicant's personal credit; Some will also refer to some credit scores, such as sesame credit, which should be clearly understood before lending.
2. Loan costs. First look at interest. Although the current online loans are paid monthly, they actually bear interest on a daily basis. Generally, the daily interest rate is around five ten thousandths, and the qualified interest rate will be low. If it exceeds this interest, don't apply; Secondly, see if there are any other expenses. If you want to transfer money, you will receive a deposit or something, so don't consider it.
3. The loan amount. Different online lending platforms provide different loans, some of which are only a few thousand, and some have a maximum amount of several hundred thousand. If the loan amount is not very large, you can choose a small online loan, which is easier to approve; If there is a large loan demand, it is recommended to choose a formal and licensed institution for online lending, but the requirements will be high. Of course, how much depends on everyone's qualifications.
4. Lending speed. People who want to borrow online loans are definitely in urgent need of money, and the speed of online loans is also very important. If you want to borrow money quickly, you should choose those online loans that are automatically approved by the system and can be audited 24 hours a day. After all, if there is manual review, the loan will definitely be slower.
Can the online loan bank card really be cancelled?
Can't write off directly, you need to pay off the loan first.
When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days).
This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.
Extended data
1. If you know the password, there is no charge, but for Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, China Construction Bank and China Bank, you need to pay the annual debit card fee 10 yuan/card year, and the other four banks except China Bank also require to pay the small account management fee 12 yuan/card year. Other banks don't want money.
2, go to the bank to cancel the account, if you forget the password, you need to report the loss first, and you can cancel the account after 7 days.
3. If the amount in the card is very low, you can adopt the policy of ignoring it. Except for China Construction Bank, other banks will automatically close their accounts with no balance after reaching the "no balance" status of 1 year. If CCB does not close its account, the annual fee and small account management fee have been increasing.
4. Debit card will not have a negative balance, which belongs to the bank liability business, and it is impossible for the card to owe money to the bank.
Baidu encyclopedia-account cancellation
Can I cancel the bank card that I don't want to borrow in the online loan review?
If canceling the bank card means unbinding from the online loan, some online loans are not allowed to cancel the bank card during the audit, so you must wait until the audit results come out before canceling the bank card. Users go directly to the bank to cancel their bank cards. As long as there is no balance in the bank card and there is no arrears, the bank will allow users to cancel the bank card. At this time, whether the user is applying for online loan with bank card.
After the cancellation of the bank card, even if the online loan is approved, the grant cannot be carried out smoothly, which is equivalent to the failure of this loan application.