1. Why did my verification not pass?
If your verification did not pass, it is determined based on a comprehensive assessment of factors such as your personal information, credit evaluation, borrowing history on other platforms, and our company's business strategy. If you have any questions, please feel free to contact us.
2. How can I increase my credit limit or credit score?
Once your credit is approved, you will be assigned a corresponding credit limit or credit score. To increase it, it is recommended that you actively use our product and repay your loan on time. This will help raise your limit or credit score.
3. What impact does overdue repayment have?
Overdue repayment occurs when you fail to repay within the specified period. It will result in a daily overdue fee and also affect your personal credit record. To avoid additional fees and protect your reputation, we strongly advise you to repay your loan on time.
4. Can I make early repayments? How?
Yes, you can make early repayments by accessing the "Record" page and selecting the corresponding order details. We recommend that you consistently repay on time as it demonstrates responsible borrowing behavior and allows for continued and potential increased credit usage.
5. How do I request a repayment extension?
To request a repayment extension, you can access the "Record" page, select the relevant order details, and choose the "Extension" option. Please note that an extension fee will apply. However, we encourage you to maintain good credit records by repaying your loan on time. If you have any questions, please don't hesitate to contact us.
6. What are the rules for using coupons?
Please ensure you use the coupon within its expiry period. The available coupon types are as follows:
- * Limit-Increase Coupon: Helps increase your credit limit when applying for a loan. Please use it during the loan application process.
- * Waiver Coupon: Reduces the payment amount when applying for a loan. Please use it during the loan application process.
- * Rate Coupon: Lowers the loan interest rate when making repayments. Please use it accordingly.
7. How are overdue fees calculated?
In the event of an overdue order, you will incur daily overdue fees. To avoid this, we strongly recommend that you repay your loan on time. Overdue behavior can negatively impact your personal credit records. If you need to review your overdue details, you can access the specific order information through the "Record" page.
8. What should I do if my repayment fails?
If your repayment fails, please allow some time for the system to update its status. We advise waiting for at least one hour and checking again. If the issue persists, kindly reach out to us via our customer service number or by sending us an email.
9. Why is the IFSC Code I entered being shown as invalid?
This typically occurs when the IFSC code entered does not correspond to any branch of the bank. To resolve this issue, please ensure you enter the correct IFSC code or consider using an alternative bank account.
