First, the content introduction
"Card Loan" is a mobile Internet loan service platform under WeChat Jinke Group, which realizes fully automated audit and loan process through a fully intelligent decision-making system. Users can submit application information online, obtain and verify personal data through self-service authorization, and conduct credit approval through credit card loan WeChat service number or credit card loan APP. After successfully obtaining the credit line, it can be used to repay the credit card. A small gesture can easily solve the troubles of credit card bills and avoid bad records.
Card loan has always been to deeply tap the financial service needs of young people, serve users 24 hours a day, and lend money as soon as possible. Pay off all credit card bills at one time, release credit lines for users, and practice the product concept of "credit guardian". The "7-day interest-free" service allows users to spend the "repayment crisis" of credit cards without pressure. And through strict credit rating, the risk pricing of rate differentiation is realized, so that users with good credit can get more favorable interest rates, which is lower than the current level of five ten thousandths of credit cards per day.
Second, how to solve the overdue card loan?
According to the official data of the card loan, the platform has been docked with the central bank's credit information, so everyone's credit information records will be inquired when applying, and the credit information will be reported after the deadline, resulting in corresponding stains. Perhaps in the eyes of some small partners, since the credit card application is successful, the credit stain caused by other loans will not affect it. But in fact, because the bank will have post-loan management, it will check the cardholder's credit information from time to time, check the cardholder's current economic situation through the information on the credit information, and can recommend some suitable wealth management products to him appropriately. At the same time, the credit card limit will be adjusted according to the cardholder's credit information to reduce the risk of lending, so once everyone's credit information is seriously stained, it will definitely have an impact on the use of credit cards.
If there is a serious financial problem and you can't bear the credit card loan arrears, you can negotiate with the platform. After all, for the platform, recovering the arrears is the key, and the most basic thing is to recover the principal. Now, whether it is online loans or banks, there will be bad debts. For such users who really have no repayment ability, even if they pass the court decision, nothing will change. Therefore, for users who are willing to repay, they are naturally willing to negotiate, which is much better than forcing people to be anxious. Moreover, according to the feedback of most users at present, the negotiation of online loans is very likely to succeed, and basically interest rates can be reduced or penalty interest can be reduced appropriately. As for whether you can only repay the principal, it's hard to say, but you can try.