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How to apply for a small loan account? That's how it opened.

Micro-loan is a pure online micro-credit circulating consumer loan product launched by Weizhong Bank for WeChat users and mobile QQ users. Many people want to open micro-loans, but they never know where to open them and the conditions for opening them. Then let's take a look.

How to apply for opening a small loan?

1. New users click on mobile phone WeChat or QQ;

2. Enter the WeChat service or QQ wallet page;

3. Find and click the icon with the words "micro-loan" or "micro-loan" on the page;

4. Click the "Apply for Loan" button in the page, enter the loan amount, set the repayment period and other related information;

5. Conduct identity verification. After the verification is passed, you can submit the application. After the application is approved, it can be used.

Tips: Micro-loan is an invitation system, and only customers who have entered its white list can apply. If the icon of micro-loan loan is not found in the corresponding position of WeChat and QQ, it means that micro-loan loan cannot be handled for the time being.

What will happen to a small loans overdue?

First of all, overdue may lead to the account being banned. In the process of using micro-loans, users first need to bind the mobile phone number and carry out real-name authentication, which means that the user information has been associated with micro-loans. When the user fails to repay the loan, the micro-loan has the right to share the overdue information with other financial institutions and credit reporting agencies, which will have a negative impact on the user's future credit record. At the same time, users' accounts can be frozen when the micro-loan is overdue, and users are prohibited from continuing to use the lending function.

Secondly, overdue will increase the repayment pressure of users. Small loans usually set a certain repayment period when borrowing, and overdue will increase the repayment pressure. Although microfinance provides flexible repayment options such as partial repayment and extension, it will generate additional late fees and penalty interest after it is overdue, further increasing the repayment burden of users. Once the user can't bear this pressure, it may lead to further overdue and even fall into the debt trap.

Finally, overdue repayment will also have a long-term negative impact on personal credit records. In the credit information system, overdue records will be recorded and become an important reference for current and future loans. Before the overdue records are cleared, it will be difficult for users to gain the trust and loan opportunities of other financial institutions. Even if the user recovers a good repayment record in the future, the overdue record is likely to affect the personal credit rating for a long time, and even adversely affect the personal career development and quality of life.

The above is the micro-loan application process and the possible consequences of overdue micro-loans. I hope it will help everyone.