How to close the account by stages? Precautions for account cancellation by installment.

1. There is no overdue order in the current account, and you must pay it off before you can apply for account cancellation;

2. At present, all credit arrears have been settled, and there is no loan or installment order;

3. The future staging platform does not have the function of direct account cancellation, and it must be operated by customer service;

The customer service staff may not encourage you to close your account, but they will advise you to be firm if you need it again next time.

5. Re-opening after cancellation has an impact on the credit review rate, and it may be difficult to borrow again;

6. Once cancelled, the previous information will no longer exist, so it should be considered clearly.

What will happen if Alipay doesn't repay in installments? Will it affect bank loans in the future?

If there is any impact, the loan will be stopped and part or all of the loan will be recovered in advance.

The "general principles of loans" have corresponding provisions:

Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.

Extended data:

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Laws and regulations related to the general principles of loans:

Article 71 Card-issuing banks shall not outsource core business such as credit card marketing, contract (agreement) signing, credit approval, transaction authorization, transaction monitoring and fund settlement to card-issuing service institutions.

The acquiring bank shall designate the lead management department of acquiring business, and undertake the responsibilities of coordinating and handling the qualification examination, registration management, equipment management, advance fund management, risk management and emergency response of special merchants.

Article 72? Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.

Would you like to ask if it will be opened in stages in the future?

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2. According to many borrowers' feedback, the installment interest rate is relatively high, and the comprehensive annual interest rate is mostly above 36%, which is suspected of usury. If there is a loan demand, you must consider whether you have the repayment ability, because overdue is the credit information at the meeting.

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Is it safe for public account to negotiate installment repayment?

It is unsafe for WeChat official account to negotiate installment repayment. The loan pays the principal and interest, and it is risky to transfer it to the enterprise account and then cancel it. The loan is still handled according to the normal process. After consultation and communication with customer service, you can repay through mobile banking or to the corporate account of the bank.