Gome Easy Card has been waiting for a loan. Actually, it was already lent out. Do you need to return it?

Gome Easy Card has been waiting for a loan, but it has already been loaned and needs to be repaid.

I. Reasons

Some people always show the mode of waiting for loans when applying for Gome Easy Card loans. We should consider the problem from the following aspects. First, Gome Easy Card reviews loans according to the applicant's credit information, so in the process of loan application, if the applicant's situation does not meet the lending standards, the system will reject the loan application submitted by the applicant and present it in the loan waiting mode. In addition, the risk control system of Gome Easy Card will regularly maintain the loan system, and the system will stop working during the maintenance process, which will also lead to the slow approval of loans and the pending approval of loans. Finally, Gome Easy Card needs to review the loan under the condition of stable network. If the network is unstable, the system will turn slowly, causing the system to present loans to be issued.

Second, matters needing attention

1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.

2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.

4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.

5. Lenders need to guard against fraudulent lenders. The trick of a liar is very simple, which can be summarized as follows:

(1) The loan requirement is extremely low, and there is no need for mortgage or other requirements. It can be said that you can get a loan if you want.

(2) The lender is afraid to disclose the name of his company, can't provide the company's business license or the company has no investment scope, can't provide formal contract texts and invoices, and even won't give you a landline. You only know the other person's cell phone, but you can't even see the other person's face.

(3) Before the loan arrives, you should charge your so-called travel expenses, interest, handling fees, attorney fees, etc. Anyway, you just want money, and after you get it, you won't be treated again.