Huanbai, jointly operated by Chongqing Focus Microfinance Company and Shanghai Jihe, is a credit card billing installment APP.

Nowadays, using credit cards has become a very popular thing. However, many people do not pay attention to moderation in the process of using credit cards, so when it comes to credit card repayment, they are often confused and in a hurry.

In order to avoid some serious consequences caused by overdue credit cards, many people will try to use some software to repay their credit cards, which is also a popular credit card repayment APP.

If you repay the credit card by repayment, you need to borrow money from the repayment first, and the loan in repayment needs to be reviewed.

So, have you passed the loan review? Let me show you around.

Generally speaking, as long as the user can meet the following three conditions, the audit is still easy to pass.

1) Personal credit record is good, and there is no overdue credit card record.

2) Because the loan is mainly to repay the credit card, a lot of information needs to be filled in during the application process.

We will also know all aspects of the user's information according to the information filled in by the user, so as to evaluate the user, and we may also selectively call back to see if we can lend money.

3) Have certain repayment ability and willingness. The annual income of users is also very important, because it can determine whether users have a certain repayment ability.

If the user has a certain income every year and the income is stable, it is relatively easy to pass the return audit.

Generally speaking, although the review of credit card repayment is strict, it is relatively easy to pass the review of credit card repayment if the individual's credit status is very good and he has certain repayment ability.

On the contrary, if an individual's credit status is not very good and he has no repayment ability, he will refuse to pay such users.

Besides, how long does it usually take to apply for payment?

According to the official statement, it usually takes 1-2 working days to apply for a loan, and payment will be made after approval.

However, according to the feedback from netizens, the review will take about 3-5 working days, basically within one week, and payment can be made after the review is completed.

Therefore, if users want to return their credit cards, it is best to apply in advance, so as not to miss the deadline for credit card repayment because of the long review time.

For small partners who are in urgent need of credit card repayment, they can take the initiative to contact customer service to speed up their own review progress and avoid overdue credit card repayment due to long review time.

It should also be noted that the audit is not conducted on weekends and legal holidays, so if credit card repayment is urgently needed, everyone should be prepared in advance.

In addition, no salary is paid on weekends and legal holidays. Small partners with quotas try to choose working days to apply for repayment.