Including a one-day phased audit, did you fail? Entry of

The bank has been handling installment loans all day. Can't you borrow it?

It is not impossible for a bank to borrow money in installments for a whole day. The installment loan is handled by the bank, indicating that the platform is looking for a lending institution and has not yet matched the funder. The loan is actually still under approval.

How long does it take to review the installment bill? This can be solved.

At present, many users are using staged music, but some users find that staged music has been audited when using it. How long does it take to review the bill of installment music? The following is a detailed introduction, I hope it will help you.

The installment music bill needs to be reviewed. For the sake of business compliance, installment music has cooperated with licensed financial institutions and will provide your information to licensed financial institutions for application and approval in real time. After the approval, the investor can lend money and the bill can be successfully phased.

After submitting the application, just wait patiently for the approval result, and the approval result will be notified by APP/ SMS. If you don't re-divide the bill, you can only repay it monthly. The audit time of bill installment is generally within 24 hours. If there is no progress within 24 hours, you need to consult installment music customer service.

However, during the use of installment music, it is best to repay on time, and don't always choose bill installment, because first, the interest will be higher, and second, always choosing bill installment may also have an impact on the amount, because this shows that your repayment ability is insufficient. Therefore, we should live within our means when spending, and don't always wait until the repayment time to know the urgency.

But after all, online loan products are not better than banks, so the loan interest rate of installment music is definitely higher than that of banks, so if you borrow money in installment music, you must pay attention to repayment on time, otherwise it will not only be overdue, but also have high overdue interest, and there will be more to be repaid.

In the short term, it is best to borrow by installment, because as mentioned in the first point, its interest rate is relatively high, so the more loans by installment, the more money you need to pay back. Therefore, if you need a long-term loan, you'd better consider going to a bank for loan business.

Staging music is a formal financial service platform, and it is more reliable to borrow money in staging music. However, the most important thing is that it is best to use installment loans in the short term, because its interest is relatively high, and the amount will be repaid in the long run, so be careful not to be overdue.

It is understood that if the credit is collected at the staged concert, if it is overdue, it will affect the personal credit record and there will be a certain late payment fee. If you choose to repay by installments, you can't successfully complete the repayment before 24 o'clock on the repayment date. In this case, there will be a late payment fee, and the daily late payment fee is 65438+ 0% of the bill amount of the month.

Staging Music has reached strategic cooperative relations with many B2C shopping malls such as JD.COM Mall and Yixun.com, aiming at "exceeding customers' expectations" and providing users with genuine low-priced goods and simple and quick staging services.

At present, the business models of e-commerce platforms at different stages are not very different, and the brand influence is mainly affected by product design and word-of-mouth accumulation. For example, staged music, which belongs to the products with early market development after 1990s, has accumulated a high reputation. At the same time, through cooperation with other e-commerce malls and brands, it has advantages in operation and supply costs.

For example, in terms of operation strategy, staged music implements low cost and light operation. On the one hand, reduce the supply chain and share logistics and warehousing resources with partners. On the other hand, simplify commodity categories and focus on high-quality goods; At the same time, select customers and focus on high-growth people.

The above is an introduction to the audit of installment bills.

Was the 48-hour final review of staged music rejected?

The application for installment loan needs to pass the 48-hour final review, but it does not mean that the application is rejected. After the 24-hour preliminary review, the stage play concert will be finalized for 48 hours, which is the normal review process of stage play music. Therefore, the fact that staged music entered the 48-hour final review does not mean that it was rejected. If the loan application of the staged music staff fails 48 hours after going to work, that is, the applicant has not received the SMS notification of relevant approval, which means that the user's application for staged music has been rejected.

First, introduce stage music.

Staging Music is a boutique stage mall owned by Lexin, and it is the forerunner of e-commerce mode of staged shopping in China. At present, it has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall. Staging music has also settled in e-commerce platforms such as Mall and Xiaomi Youpin, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Ma Honeycomb.

Second, the review process of staged music

The installment loan will be completed within 24 hours, the final review will be conducted within 48 hours after the initial review is passed, and the loan will be released after the second review. In other words, installment music may stop borrowing money after 12:00 in the evening, especially those that may need manual review, and will not be reviewed until after work. There will be a SMS notification after the application is approved. If there is no result after more than 48 hours, it is likely that the application failed and the system will automatically close the order.

As can be seen from the above, in the case of urgent need for money, users can borrow money through installment music. However, before borrowing, users should know the loan amount, loan interest, repayment date and repayment channel of installment music in detail, and then choose the repayment method that suits them. Staging music is a large-scale formal stage, which can bring great convenience to users who urgently need money but lack short-term funds. Therefore, users can apply for loans from installment music when needed.

How long will it take for the staged music audit to come out?

Staged music opens Lehua orders, cash withdrawals, Lehua orders, cash withdrawals, shopping, virtual, etc. , and the review time is generally 24 hours, which is generally passed on the day of application. After the approval, the staged music will inform users by SMS or online message. If the audit fails for a long time, users are advised to contact the offline customer service of APP.

After the user submits the application order, an "Eagle Eye" sub-control system will conduct the first round of user information review, and then push it to banks and licensed financial institutions for loan credit risk control review. After the final approval, banks and licensed financial institutions will provide credit consumption services.

If the user audit fails, the possible reasons are:

1. There is an overdue credit record: the user has a previous repayment in loans overdue, which leads to his own overdue credit record, and installment music will reject the applicant with an overdue credit record.

2. High personal debt: Recently, customers frequently applied for many credit products, resulting in long-term borrowing. Moreover, because many credit products under their names have not been repaid, the personal debt ratio is very high, and the system is worried that customers' economic life is unstable and their repayment ability is insufficient, so it is naturally not easy to pass the comprehensive evaluation. In this regard, it is recommended that customers find ways to pay off their debts first, or pay off part of them first, preferably for several months, and do not apply for new credit products.

Version information: Take staged music version 6. 14. 1, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples.