Can Ctrip's loan line lock be restored?

What if Ctrip's financial line is locked?

Ctrip's financial line is locked. If it is caused by loans overdue before, the system will re-evaluate the user's Ctrip financial account after the user pays off the previous arrears, and the bank will be unlocked after the evaluation is passed. Because the user does not meet the loan conditions of Ctrip Finance, the quota is locked. Only when the loan conditions are met will the quota be unlocked.

In short, there are different reasons for Ctrip's financial loan quota locking, and users need to adopt different solutions. Please solve the problem pertinently to unlock the quota.

How long will Ctrip's financial line be locked?

It can be unlocked after reapplying for the quota. Due to the change of user's credit qualification conditions, users can't get loans through this quota, and Ctrip Finance has locked in the loan quota. In this case, the user must reapply for the loan limit. After the system is approved, the system will give a new loan amount. Of course, it is not excluded that the user has overdue repayment before.

If the system locks the quota, it means that the system will not provide loan services to users temporarily. In addition, when the user's loan is not approved, the loan funds cannot be obtained, even if there is a credit line, because the credit line does not mean that the last line has not applied for any loan credit business for at least 2 months, because no matter whether it is successful or not, the credit inquiry will leave a hard inquiry record.

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1. Otherwise, if you apply for borrowing flowers again, you may get stuck if you see more query records within 2 months. It is relatively simple to maintain credit by handling credit business, that is to say, if you have a credit card, you have to swipe some points every month. The key is to repay the loan on time and standardize the use of credit cards. Put an end to abnormal transactions and increase the number of credit inquiries. If you have a loan, it won't expire. In fact, if you have a quota, you can't borrow money, which is normal. After all, borrowing requires a comprehensive evaluation of the user's credit status. The evaluation requirements are more stringent than when granting credit. You will check the credit survey to understand the credit and liabilities of users. Generally speaking, people with good credit, less debt and strong repayment ability are more likely to borrow money. From the feedback of many users, most people are trapped in the inability to borrow a certain amount of credit information.

2. For example, some people have not paid their debts before borrowing, or have been in debt for three or six times in the last two years. These are all objects that must be rejected. In addition, although there are no overdue records, it is impossible to query the records in the past two months more than six times. Ctrip's loan amount is evaluated irregularly by the system, and will change with the change of the borrower's credit status and account status. For example, if the credit conditions continue to improve, the account activity is high and the credit score is improved, the loan amount may increase. On the contrary, the loan amount may be locked, and it is necessary to reapply for the loan amount. Therefore, if you lock in and reapply for the loan amount, you can find the reason from the user's credit status and the user's account status.

3. User's credit status: Usually the most obvious change is that the credit is not as good as before, which affects the repayment ability. You can check whether the credit information has expired or there are too many inquiry records; Then judge the personal debt ratio from the debt situation shown in the credit report, maintain a good credit, reduce the debt ratio as much as possible, and the probability of reapplying for the quota will be higher. Current status of the account: if the activity of the account is very low, the account has been borrowed for a long time, or Ctrip illegally handles loans, overdue loans or other credit products, such as paying flowers and not repaying on time, etc., resulting in a decline in the comprehensive score of the account and failing to meet the evaluation standard of the loan amount.

How long can Ctrip's financial line be locked and can it be borrowed again?

How long can Ctrip's financial line be locked and can it be borrowed again?

If Ctrip's financial limit is locked because the previous loan repayment is overdue, resulting in credit damage, then customers will pay off the arrears in time and then spend more time to accumulate good credit. It may take three to six months to improve credit, and personal credit will gradually improve. At that time, the bank may be unlocked and customers can borrow again.

And if it is only because of the system optimization and upgrade, then after the system optimization and upgrade is completed, the quota will naturally be restored immediately, and customers can borrow it again immediately. As for the time required for system optimization and upgrade, it may be completed on the same day, sometimes it takes three to five days, and sometimes it may take longer. In short, just wait patiently.

How long does it usually take for Ctrip's financial line audit?

Under normal circumstances, the approval of Ctrip's financial line can generally be completed on the same day. If it is fast, it will be received within one hour (subject to the actual arrival time).

It should be noted that the time for approving the loan amount is related to the funder, the withdrawal bank card, the application time, the credit standing of the customer and the information provided. If the platform is short of funds and busy with business, the approval may be delayed and take longer, but most of them can be completed within three to five days.

How does Ctrip Finance repay in advance?

If the loan of Ctrip Finance needs to be repaid in advance, customers can repay in advance as long as they find the loan they applied for on the loan page of Ctrip Finance APP and choose the prepayment option.

It should be noted that if the repayment method is selected at the beginning, the handling fee may be paid according to a certain proportion of the remaining principal when repaying in advance. Of course, if you choose to calculate interest on a daily basis, there will be no formalities fee for prepayment, and the interest will only be calculated until the prepayment date.

The loan amount is locked. Can it be recovered?

You can apply to resume unlocking after three months.

As a consumer credit loan of Ctrip Finance, it will be checked when applying for borrowing flowers. The credit record on the credit record will show that in addition to the basic information such as the name of the lending institution, loan type and loan amount, the monthly repayment situation will also be reported, and a bad credit record will be generated if it is overdue. There is a three-day grace period for borrowing and consumption, that is, if the debt can be paid off within three days after the repayment date, that is, it will be truly overdue on the fourth day, and it will be reported to the credit information and big data system.

What will happen if the loan platform is overdue?

1. will generate a high penalty interest. Once overdue, the penalty interest will be calculated on a daily basis until it is fully paid off. The longer the debt, the more penalty interest.

2. In the face of various collection methods, you will receive a collection message and a phone call. On the phone, you also said that you would come to collect it.

3. It is difficult to refinance. It is difficult to refinance before it is paid off, and even if it is paid off, it may not be possible to get a loan. Many people's loan lines have been withdrawn because they are overdue.

4. Affect the handling of other credit businesses. In the credit society, most credit businesses are now based on credit surveys. With a bad credit record, it is not so easy to handle other credit business.

If the overdue time is less than three months, if the financial ability improves at this time, we must negotiate with the platform for repayment, and ask for deduction of overdue liquidated damages and penalty interest to make up the overdue payment, and the rest will continue to be phased. This will also save money!

If the overdue time exceeds three months, you must pay attention at this time. Don't pay back bit by bit. If you haven't paid enough, all the returned money will be regarded as liquidated damages. The arrears will increase rather than decrease.

After the payment is overdue for three months, the platform will let you settle it once. If the economic conditions permit, you can negotiate with the other party for reduction and exemption, and settle the account according to the amount higher than the principal and lower than the installment, or settle the account in two installments!

If you still can't pay back the money after three months, stop paying until you are able to settle it, and then contact the other party.