The lightning loan of China Merchants Bank was handled through an intermediary. It said that it would take two hours to arrive, and now it will take almost 24 hours to arrive at the station. Is this f

The lightning loan of China Merchants Bank was handled through an intermediary. It said that it would take two hours to arrive, and now it will take almost 24 hours to arrive at the station. Is this fake? 1. If you apply for China Merchants Bank's lightning loan, log in to mobile banking and click My-All-My Loan-My Lightning Loan to enter the application page. After the lightning loan application is successful, it will be issued in cash, which can only be used for normal bulk consumption, and may not flow into the stock market, real estate and other directions.

2. After submitting the application for lightning loan from China Merchants Bank, you will receive a short message "Dear Sir/Madam * * Hello, if you need manual verification! We need to verify the application information of "lightning loan" with you, and we will contact you later through 0755-888 15555. Please keep the phone open. If the SMS is not received, the loan will be released in 5- 10 minutes. (Suspended 65438+/kloc-0 during New Year's Day/resumed after 08:30 on October 2)

Expand; Recently, in the process of normal use of lightning loans, I actually encountered a situation of being stopped, giving you a hint!

First of all, I have a regular job, and I have nearly ten credit cards under my name. The total credit amount exceeds 100W, and it has never been overdue. Sesame 780+, flower bud 5.5W, borrowing bud 30W. Credit history has always been good!

China Merchants Bank has a lightning loan of 260,000 yuan with an annual interest rate of 5.76%-6.84%. I thought the interest rate was not high before, but I used it several times in the short term. Moreover, the automatic repayment has never been overdue, and in the later period, China Merchants Bank reduced the interest rate to 5.76%. Last year, a friend needed some money to do a project, so he borrowed more than 20 W from lightning loan. Then continue to repay in full and on time every month!

A few days ago, I went to the China Merchants Bank APP and suddenly found that the lightning loan actually stopped my quota. You can only pay it back, not borrow it! I immediately contacted the customer service of China Merchants Bank, and the customer service replied to the background to inquire about the flow of loan funds to purchase investment and wealth management (including wealth management, funds and stocks purchased by other banks or channels). ), and said that this money cannot be used for financial investment, so the post-loan management has frozen the relevant quota! !

This explanation is really speechless! These days, there are still people who don't speculate in stocks, buy funds or manage money. However, as it is also stated in the loan agreement, the loan funds shall not be used for any financial investment, purchase of real estate and automobiles. Therefore, although I can't understand the behavior of China Merchants Bank, I have nothing to say! ~

Therefore, I can only remind you in advance! If you need to use the funds of the lightning loan, remember that there can be no wealth management products, funds and stocks in the relevant accounts under the names of all individuals, otherwise the quota will be easily suspended. If the capital turnover can't keep up, it will be more troublesome to cause the credit information to be affected!