What if CITIC Bank doesn't have coupons?

Credit card cash installment has no proof of consumption. It is suggested that users can solve the problem in the following two ways.

1. Users can contact merchants to reissue coupons according to their previous consumption records.

Online consumption can directly intercept consumer bills, while offline consumption can require merchants to issue receipts, and handwritten receipts can also be used.

2. Other consumption records can be uploaded as consumption vouchers, as long as they are generated by cash installment of credit cards, including various consumption invoices, receipts, transaction contracts, consumption screenshots, consumption bills, etc. for offline and online consumption.

After the user uses the credit card for cash installment, the bank will ask the user to upload the consumption voucher in order to ensure that the funds are used for consumption. If it is verified by the bank that the cardholder fails to upload the consumption voucher within the specified time, the bank will regard the funds as user diversion, thus requiring the cardholder to settle the installment amount of the credit card in advance at one time, which will increase the repayment pressure of the cardholder.

When many people apply for online loans, they are told that they have become black households because of insufficient comprehensive scores. If it is not the illegal households caused by overdue, you need to find other reasons. For example, is it caused by the high frequency of online loan applications? You can find your own unclear places in "Xiaoqi Credit Information". As long as you understand the reasons for becoming a black household, you can improve online loan big data according to the situation.

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What if Yin Bei's consumer loan is not repaid?

The consumer loan in Yin Bei has not been paid. Users can negotiate with Yin Bei Consumer Finance to apply for repayment.

After submitting the application for repayment by agreement, Yin Bei Consumer Finance will review the user, and after the review, the user can repay according to the agreement.

If the audit fails, you must pay off the overdue debts as soon as possible, otherwise you will encounter text messages and phone calls.

In addition, there will be no overdue records on consumer loans in Yin Bei, and the overdue records will remain in the credit report for a long time, which will make it impossible for users to apply for other loans in the future.