How about returning it? Is it easy to pass it?

How about returning it? Is it easy to pass it?

I believe many cardholders are using credit cards to make purchases We have all encountered repayment difficulties in the past. If the user cannot repay within the time limit specified by the credit card, it will become overdue.

In order to avoid overdue payments, some users may choose to repay their credit cards through some repayment channels. Among them, Huanbei is a more popular credit card repayment product, so how about Huanbei? Is it easy to pass?

Huanbei is an APP that helps credit card users repay their debts. It mainly serves the majority of credit card users.

If the credit card holder is unable to repay the current balance of the credit card on the repayment date, then you can ask Repay to help the cardholder repay the credit card in installments, and then the user will repay the balance according to the installment period. .

During this process, Huabei will charge users a certain amount of interest. Currently, the lowest monthly interest rate officially given by Huabei is 0.5%. The specific interest rate is determined based on the user’s personal qualifications. The better the personal qualifications, the lower the interest rate.

To put it simply, Huanbei is a personal credit loan product provided to credit card users. You can apply for a loan from Huanbei to repay the credit card, and then repay it to Huanbei on time. And you need to pay part of the interest fee to Huanbei.

Users who need credit card repayment can download the Huanbei APP and then apply for credit card repayment. After everyone downloads the Huanbei APP, you need to follow the system prompts to perform registration, identity authentication and other operations.

To apply for a credit line for repayment, users need to fill in basic personal information, work information and other information. Pay attention to filling in this part of the information carefully and accurately. If the personal information is filled in incorrectly, it may lead to review. Not passed.

After completing the filling in and submitting the information, the system will conduct a comprehensive assessment of the information submitted by the user and the user's credit status, and grant a credit limit within a certain range based on the assessment results. The user can apply for an agent within the limit. Also the credit card.

Whether it can pass the review depends on the final approval result of the Huabei system. Generally, as long as the user's personal credit has no bad records, it is relatively easy to pass the review.

Is it still legal? How about using Huanbai to pay back the credit card?

Huanbei is formal and can provide credit card holders with fast and cheap repayment methods. It is also a product that repays credit cards, restores quotas, and provides low-interest installments. It mainly provides bill installments and merchandise installment services.

1. Depending on the credit rating, a maximum limit of 50,000 yuan can be provided. The interest rate is lower than the credit card installment interest rate, and the fastest can be 1 second. The operating company behind it is a chartered financial institution authorized by the government to specialize in Internet lending. You can use it with confidence.

2. Huanbei is a financial institution with relevant financial licenses and is affiliated with Focus Media. As a formal lending institution, Huanbeiziren has established contact with the central bank's credit reporting system. Therefore, the consequences of overdue repayment are: after the repayment is overdue, the system will report the overdue information to the central bank's credit reporting system and truthfully record the relevant information of the overdue person.

3. Advantages of repaying a credit card: borrow money directly from the credit card; the loan limit is high, with a maximum approval of 50,000 yuan; the interest rate is low, and you can generally achieve a 6.82% discount on the lowest expected annual interest rate for credit card repayments; the loan is fast , netizens said that it took 5 minutes to borrow the money and it would arrive in their account.

4. The entire loan application process for Huabei can be completed on the mobile phone. You only need to complete the operation according to the prompts on the mobile phone and enter the appropriate information to apply. The specific application requires filling in basic personal information, mobile phone operator, credit card (email), second-generation ID card and other information. It can be quickly applied in 360 application integration without providing any paper information or face-to-face.

1. Huabei’s “principal and interest repayment” provides loan services in March, June and December, with amounts ranging from 0.3 yuan to 50,000 yuan, and monthly interest rates ranging from 0.42% to 0.83%. After review, the loan can be initiated, and the loan will be directly credited to your credit card account in as fast as 1 second.

2. The Huabei system will conduct a comprehensive score based on the information you submitted. The higher the comprehensive score, the better the credits, and the lower the monthly rate. The actual interest is calculated based on the actual results of the system after approval. of. When you borrow money, you can also clearly see the repayment amount.

3. The application is rejected, generally for the following three reasons: first, the credit record is very poor, which is very understandable and does not need to be explained in detail; second, personal information is not filled in accurately, or Garbled characters can easily be regarded as fraud and rejection; third, long-term imbalance of income and expenditure, with a monthly salary of 2,000 yuan, such a certain risk will be controlled. Worry about your ability to repay.

4. Huanbei will charge a one-time penalty of 5% of the current repayment amount. For example, if the current bill amount is 10,000 yuan, then the liquidated damages are 10,000 × 5% = 500 yuan; overdue penalty interest will be charged on a daily basis, and 0.1% of the current repayment amount will be charged daily. For example, if the current repayment amount is 10,000 yuan, Then the daily overdue penalty interest is 10,000×0.1%=10 yuan.

Is Huaibai reliable? From these angles, let’s see how Huaibai is.

Friends who often use credit cards must have heard of “Huaibai”, and Huaibai is a Payback is specifically designed to help you repay credit card debts. If a credit card user is unable to pay off the balance in full on the repayment date, they can use Payback to repay the credit card on their behalf. Many people have such questions before using Payback. , then is it still reliable? Let’s take a look at what Huanbei is like from these aspects.

Whether Huanbei is reliable, we mainly analyze it from aspects such as Huanbei’s company background, product status, loan interest, user feedback, etc.:

1. Company background: Huanbei is a focus As a loan product under the media, Focus Media is a financial institution that holds a formal license. Since Huanbei is a licensed institution, its daily operations will also be subject to supervision by relevant departments.

2. Product situation: Huanbei is essentially a personal credit loan product. It mainly provides users with credit card installment, commodity bill installment, rental installment, and life bill installment services. If a credit card user cannot repay the debt within the specified repayment date, he or she can apply for a loan through the Huanbei APP. After the user submits the loan application, the Huanbei system will conduct a comprehensive assessment of the information submitted by the user and the user's personal credit status. , only when the evaluation results meet the loan repayment conditions, the lender will issue loan funds to the borrower.

3. Loan interest: Huanbei official stated that the current lowest loan interest rate for Huanbei is 50% of the minimum credit card repayment interest rate. The minimum credit card repayment annual interest rate is usually 18.25%, which means that Huanbei The lowest annual loan interest rate is 9.13%. Judging from this interest rate, the loan interest rate of Huanbei is within the legal range stipulated by the state.

And among online loan platforms, the interest rate for repayment loans is quite advantageous. However, according to user feedback, the actual loan interest rate of Repay is linked to the borrower's personal credit. The better the credit status, the lower the loan interest rate will usually be.

4. User feedback: Netizens currently have good feedback on Huanbei, and Huanbei often cooperates with Tencent QQ to provide some loan discounts for everyone.

That’s it for the introduction of Huanbei credit card.