Do rich flowers send text messages?

After Qianhua was satisfied with the rejection of the loan, I sent a text message saying that I met the loan requirements on Qianhua platform, but I didn't order it. Can I believe this message?

Hello, regular loan companies will not charge pre-loan fees, such as deposit, verification fee, insurance fee, etc. I will not communicate with you through personal social accounts such as QQ and WeChat. Therefore, if you encounter financial fraud from a fake formal loan company, please be vigilant and don't be deceived. If you are deceived, you will call the police as soon as possible to minimize your economic losses.

In addition, spending money to buy is formal, and "spending money to buy" is a credit service brand owned by Xiaoman Finance (formerly Baidu Finance), which provides personal consumer credit services for the public. Using Baidu artificial intelligence and big data risk control technology, it provides users with convenient, fast and safe internet credit services, which has the characteristics of simple application, fast approval, high quota, fast lending and strong security.

Will you send a text message if your credit card is not approved?

Take the credit card of China Merchants Bank as an example. It usually takes 10 working days from the application to the completion of the review, and a text message will be sent to you after the card is issued. If the review fails, there will be a text message notification.

The application or mailing progress can be inquired through the following channels: online banking, pocket life, mobile banking and WeChat applet banking.

I. Credit card application conditions of China Merchants Bank

1. China citizens aged between 18 and 60.

2. The job is stable and the income is not less than 3,000 yuan.

3. Proof of social security payment in the last six months.

4. Run the payroll bill.

5. Have a fixed residence address and living payment voucher.

6. Personal credit is good, not old.

Second, the credit card approval process

1. Internal evaluation of banks:

First of all, the bank will input the basic information of the applicant into the internal evaluation system for preliminary evaluation.

If you have done business with banks before, such as handling savings cards and credit cards, applying for loans, purchasing wealth management products, etc. Then the bank can know if you are a good customer of the bank.

If it is a quality customer, the credit card is basically approved in seconds. If you want to be a high-quality customer of the bank, the most direct way is to deposit 500-65438+10,000 yuan directly, and the amount in the card is 30,000 yuan.

2. Query personal credit information:

Credit card is actually a simple credit service. Applying for a credit card is no different from applying for a loan.

In order to reduce the bad rate of credit cards, according to the relevant (hard) regulations, banks must check the applicant's personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or the water and electricity bills are not paid on time, or there is a criminal record at the police station, it will affect the approval of credit cards.

3. Personal comprehensive score:

Also called credit score, it is given by the credit scoring system of each bank, and the level of credit score will directly determine whether the bank will grant credit and the amount of credit.

As we all know, the higher the credit score, the greater the probability that the cardholder will get the card, and the higher the credit limit, and the bank's credit score standard is strictly confidential.

4. Credit card holdings:

Banks will refer to the applicant's credit status when approving credit cards.

At present, in addition to the four major banks and China Merchants Bank, other banks can "do cards with cards".

In addition, if the number of credit cards exceeds 5, it is difficult to use CCB cards unless the qualifications are excellent. The salesman of CCB also said that he could use a card.

What is the reason why the first application for spending amount is unqualified?

The application amount and each loan need to be reviewed separately. If you fail to pass the comprehensive evaluation on the current page, it means that you have not reached the audit standard of spending money for the time being and can't borrow money for the time being; It is recommended that you keep a good personal credit record and borrowing habits in the later period, protect your account and personal privacy at ordinary times, and the system will update your personal situation irregularly.

Spending money is very reliable, there is no pre-loan fee, and the interest rate is transparent. Qianhua is a credit service brand under Xiaoman Finance (formerly Baidu Finance). Big brands with money to spend are safe and reliable, and reliable interest rates are low. The minimum daily interest rate for all-easy loans starts from 0.02%, and the minimum daily interest rate for loans of 1 1,000 yuan is 2 yuan. Transparent interest rate, the fastest 30 seconds for approval, the fastest 3 minutes for lending, and support for early repayment.

I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately!

Is there a text message when Yi Xianghua fails to review?

Yi Xianghua's approval failed, and the user will not be notified by SMS. Users can enter the loan application page to view the final audit results. If the audit fails, the user can submit the loan application again, but pay attention to the application interval. In addition, if Yi Xianghua fails, it will leave a loan approval record in the credit report, so it is not appropriate to apply for Fuhua frequently in the short term.

After the money is approved, users can get the loan funds. After the loan is successful, the user should repay the loan on time according to the repayment plan.