There are two ways to cancel the messenger extension:

1. Go to the bank counter to apply, bring your personal valid ID card and the customized messenger account to the bank to open a local account Apply at any business outlet;

2. Log in to the bank's official website to cancel, and just cancel on the official online banking page.

Messenger extension means that the credit card uses this service to automatically extend the messenger service period on a monthly or yearly basis.

1. Conditions for loan extension

If the borrower encounters temporary capital turnover difficulties during the loan period, resulting in the inability to repay the loan principal on time, and meets the conditions for extension, under normal circumstances , apply to the lending bank for an extension 30 working days in advance.

The loan extension period shall not be lower than the original loan terms: the short-term loan extension period shall not exceed the original loan period; the medium-term loan extension period shall not exceed half of the original loan period; the long-term loan extension period shall not exceed 3 years at most.

2. Time

When applying for an extension of a guaranteed loan, a written proof that the loan guarantor agrees to the extension and continues to guarantee the loan should also be issued. The loan extension shall not be lower than the original loan terms. The extension of short-term loans shall not exceed the original loan period; the extension of medium-term loans shall not exceed half of the original loan period; and the extension of long-term loans shall not exceed 3 years. If the customer does not apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date. The extension time of personal loans issued by the China Banking Regulatory Commission in February 2010 stipulates in the "Interim Measures for the Management of Personal Loans" that: for personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; for personal loans of more than one year, the extension period The cumulative term added to the original loan term shall not exceed the maximum loan term specified for the loan type.

3. Regulations and Processing

Whether the loan is extended or not is decided by the lender. If the application for a guaranteed loan involves a mortgage loan or a pledged loan extension, the guarantor, mortgagor, or pledger must also provide a written certificate of consent. If there is an agreement, it shall be implemented in accordance with the agreement.

The cumulative extension period of short-term loans (with a period of less than one year, inclusive) shall not exceed the original loan period; the cumulative extension period of medium-term loans (more than one year, but not more than five years, inclusive) shall not exceed the original loan period. Half of the loan period; the cumulative extension period of long-term loans (more than five years) shall not exceed three years. Unless otherwise provided by the state. If the borrower does not apply for extension or the application is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

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