First, frequently asked questions
1. What is the flow of money to borrow money?
Initial use of money to borrow, you first need to according to the guidelines in the app, submit your ID information, through face certification, binding bank cards and through the mobile phone verification.
After successful submission of the above information, the money to the large data backend system will be comprehensively reviewed to assess your personal credit and make decisions on whether or not approval is passed.
After the background system approval is approved, the bank card that you bind to will be automatically used for lending.
2, do not know how to do mobile phone service password?
Method One: Mobile phone calls 10086 turn artificial service inquiry.
Method Two: Mobile phone landing 10086.cn, the initial password for your mobile phone after 6 digits, click "Forgotten password" reset.
Method One: Mobile phone calls 10010 turn artificial service inquiry.
Method Two: Mobile phone login wap.10010.com, initial password for your mobile phone after 6 digits, click "Forget password" reset.
Method One: Mobile phone calls 10000 turn artificial service inquiry.
Method Two: Mobile phone login wapzt.189.cn, initial password for your mobile phone after 6 digits, click "Forget password" reset.
Millet Mobile User Dial 4009223838 turn artificial service inquiry
Suning interconnection users to call 10035 turn the Human service inquiry
BEIJING-East communication users to call 4006710023 turn the Human service inquiry
Ali communications users to call 10029 turn the Human service inquiry
Di-Letter Tong di users to call 10026 turn the human service inquiries
Audio Mobile User Call 10033 turn the Human service query
Le language communication user dial 10028 turn the artificial service inquiry
Share Communication user Call 10039 turn the Human service inquiry
Gome Pole Letter Communication user Dial 10037 turn artificial service inquiry
U. Friends dial 10021 to turn the Human service inquiry
Snail Mobile User Dial 10040 turn artificial service inquiry
3. How many bank cards can I bind? Can I change it after binding?
In order to improve the experience of the loan prescription, the money to the use of the same card access scheme, only to support the binding of a bank card. If you bind a bank card after the need for card replacement, you can apply for binding in the app page (non-borrowing period), we will be in a business day for the review of binding, if you have questions, please call the money to 400 telephone consultation. The bank card that is bound cannot be replaced during the loan repayment period.
That is, the amount of money paid by the user to the official activity, the cash bonus can be used to repay the service charge and interest, but not cash (transfer to the bank card). Only 1 cash red envelopes can be used for each loan order.
5. How long does it take to get the money back after receiving the successful SMS?
If you receive the money before 18 o'clock to the issuance of the loan notification message in the working day (except the Sunday of the week Six and the day outside the holidays), the payment will be made within 2 hours. If you receive a loan notification message after 18 o'clock on a working day, the money will be sent to the account at 11 o'clock in the morning on the second working day, and the holiday is postponed.
6, my privacy security how to protect?
Money to the user as a friend, strictly abide by the relevant national laws and regulations, the user's privacy information to strictly protect. We use independent research and development of encryption technology, the user's registration information, account revenue and expenditure information for high intensity encryption processing, can effectively prevent intrusion and backup data, to ensure that the criminals are not stolen. The company is committed to never disclose your account information, bank information and other personal privacy in any form to the third party.
Second, the loan application
1. What are the requirements for borrowing?
Money to only 18-35 years old to provide services to young migrant workers, you only need to improve your mobile phone identity information, work information, contact information, mobile phone number and service password can be used to borrow, such as the audit through the face to sign the lending process.
2. How much money can I borrow?
The money to provide 1000 yuan to 10000 yuan to the amount of borrowing, fully meet your emergency money needs.
3. How long can I borrow?
Money to the default for each user to provide 30 days of flexible loans, users in the 30 days after the success of the loan, can be repaid at any time, borrowing interest and platform service fees (corresponding to the front desk "service charges") will be based on the actual number of days to collect the loan.
1. How long can you know the audit result after submitting the loan application?
The amount of money to the audit due to the applicant's credit and submission of information to improve the extent of the normal for 15 minutes to 24 hours, such as in the event of national holidays or official activities, audit process progress may be delayed, please understand and patiently waiting. If you have any questions, please contact our online customer service or call our customer service.
2. Why is my loan approval not approved?
First of all, please make sure that you fill in the personal information is true, effective and complete, the uploaded picture is clear and meet the requirements, in addition, if your comprehensive situation for the time being not up to the credit system assessment requirements, will also lead to approval is not passed, thank you for your understanding. If you have questions, you can call the 400 customer service phone for more details.
3, the approval of the next time you can apply for a loan again?
Of course it is possible, we sincerely for each user service. If your first application unfortunately is rejected, the money to the system will be based on the individual refused to automatically determine the validity of the application again, according to the different grades divided into 7 days after 15 days and 1 natural months after the application can be again.
4, how to cancel the loan order?
Please contact our customer service staff for cancellation of order before successful loan, if you need to cancel the order for personal reasons.
Iv. Information on lending
1. Which bank card service is supported?
Money to the currently supported debit card (card) binding for the following bank cards: Bank of China, ICBC, ABC, Guangdong Bank, Huaxia Bank, China Merchants Bank, Ping An bank, CCB, Minsheng Bank, China Postal savings, Pudong FA Bank, Xingye Bank, Bank of Communications, Citic Bank, China Everbright Bank, Guangzhou Bank, Shenzhen Development Bank.
When tying a card, to ensure your account is secure, you will receive money to the authorized operator to send you the verification code, fill in the verification code can be successfully bound.
2. How do I bind the bank card failed?
Please make sure that the bank card you are binding to is all I have, and the relevant information of the bank card is correct. If the binding bank card failure, you can change my bank card operation Rebind, can also contact the money to 400 telephone customer service consultation, we will be happy to help you solve the problem.
1, the platform repayment rate is how much?
Money to the borrowing costs consist of three parts, interest, handling fee and platform service fee. Interest on loan is a fixed interest rate of 0.02% per day. For each successful loan, a one-time fee of 19.99 Yuan will be charged, and from the date of successful loan, the loan amount of 0.279% of the fee for the platform service fee. The platform service charge includes the mobile phone verification fee, the bank card verification fee, the authentication fee, the account management fee, the credit audit fee, the intermediary service fee, the platform operating fee, the face sign service fee, the telephone service charge and the anticipated reserve cost, etc.
If the borrower pays the loan in advance, the platform service charge and interest are calculated according to the actual borrowing days. Interest and platform service charge are calculated on the day of successful loan and on the day of successful repayment.
Money to support the bank card a key repayment function, you can choose the app repayment page "I want to repay" active repayment. If your bank card repayment is not convenient, please contact our customer service personnel.
3. Is it possible to repay in advance?
can be repaid in advance. If you repay the loan in advance, the platform service charge and interest are calculated by the hard borrowing days. Interest and platform service charge are calculated on the day of successful loan and on the day of successful repayment.
4. What will happen if there is no repayment in time?
All not in time repayment behavior is regarded as overdue, money to the right to represent the platform to lend a person to you to remind and collect work, including telephone notification, door-to-door reminders, send a letter of attorney. If the repayment is overdue for more than 30 days, your overdue "bad credit record" will be submitted to the national individual credit agencies and the central bank credit system, and the money will also have the right to send your information to Tencent credit, the security letter, Sesame Credits and other third-party platforms and major labor dispatch companies to disclose, These bad information will directly affect your future purchase, loan, consumption and employment and other aspects of life. For example, the impact of buying houses, car loans, access to the blacklist of services, as well as restrictions on high-speed rail, aircraft and other means of transport, please cherish your personal credit records. The money to the platform will retain the right to take legal measures against delinquent borrowers, and all legal consequences and related costs will be borne by you.
5. How to calculate the overdue fee?
If you do not pay the payment on time, from the first day of overdue, stop charging interest and platform service fees, and the day to collect overdue management fees. The charging standard for overdue management fee is the 1%/day of borrowing principal.
6, the agreement on behalf of the deduction repayment
In the loan application, the money to the platform will be signed with you a consignment agreement, the money will be 1 days after the repayment is overdue automatically from the bank card you bind. You should ensure that the bank accounts during the repayment period will not be reported loss, the account freeze, insufficient amount of issues, to maintain your good credit.
