ABC Lefen has applied for a one time repayment, can I still apply?

Agricultural Bank of China. If you have applied once and have already paid off the bill, you can apply again, and if you maintain a good credit limit, you may be upgraded.

Extended information: ABC Le Fen Yi Introduction:

"Installment payment business" refers to the business of ABC granting the installment quota to the applicant after approval according to the applicant's application, calculating the account in installments on the credit card and transferring the installment principal to the special account of Lefenyi, and the applicant repays the installment principal in installments and pays a certain amount of installment handling fee.

Business characteristics: Exclusive quota: special installment quota, up to 300,000 yuan.

Convenient application: The application procedure is simple and fast online.

Wide range of uses: clothing, food, housing and transportation can be all kinds, flexible card pen pen is easy.

Longer instalments: up to 5 years, monthly instalments.

Application channel: offline application. Applicants can present their own ID cards.

Home "Installment Selection" - Lefenyi.

Important Notes: 1. Once the installment payment business of "Lefenyi" is successfully handled, the installment principal will be transferred to the special account of Lefenyi of Agricultural Bank of China under the name of the applicant, and the applicant can use the proceeds to consume at the designated consumer merchants of Agricultural Bank of China, but cannot withdraw cash. For details on the use of funds, please refer to the Terms and Conditions for Installment Payment of Agricultural Bank of China Credit Card "Happy Points".

Click here to view the information of the designated consumer goods merchants of the "Lefenyi" business and the list of MCC codes of the designated types of merchants of the "Lefenyi" business.

2. Once the installment payment business is successfully handled, regardless of whether the applicant actually uses the funds or not, the statement must be made according to the credit card.

The amount shown is to repay the principal instalment amount and pay the instalment handling fee on a monthly basis.

The total handling fee for instalments is calculated by multiplying the principal amount of the instalment by the applicable handling fee rate.

The installment handling fee is charged in installments, and the handling fee for each installment is equal to the total installment handling fee divided by the number of installments and rounded to the nearest quarter, and the difference is adjusted in the last installment.

The corresponding approximate converted annualized interest rate. Simple interest).

ABC Lefen has applied once, and you can still apply after paying it off, because if you have already paid it off, there will be no problem.

1) Agricultural Bank of China. Lefen is easy to pay off and can be used again.

ABC Lefenyi can continue to borrow after repayment, but when borrowing again, it needs to be evaluated by the ABC system, and if the borrower passes the ABC loan assessment, the borrower can borrow; If you do not pass the ABC loan assessment, you can no longer use ABC Lefenyi.

2) Whether ABC can borrow or not be borrowed after repaying it is related to personal qualifications. If the applicant meets the qualifications of ABC, then the borrower can continue to apply for the loan, if not, then the borrower can continue to apply for the loan, if not, then the borrower will not be able to borrow again after the repayment is completed.

Under normal circumstances, when the Agricultural Bank of China is used normally, the Agricultural Bank can continue to borrow after repayment, and if there is a late repayment or credit problem, then the Agricultural Bank of China can not borrow again after repayment.

Extended information: 1. Agricultural Bank of China is happy to repay in advance.

Partial repayment and full repayment in advance can be made, and early repayment needs to be applied to the customer service of ABC Lefenyi. After the application is successful, there will be a bill for the ABC Lefen Exclusive Card, and the borrower only needs to repay the ABC Lefen Exclusive Card in advance according to the method of early repayment of the ABC Lefen Exclusive Card.

It should be noted that before applying for early repayment, ABC Lefenyi learned that the installment repayment fee that has been included in the credit card bill is non-refundable, so you must pay attention to check the repayment details before repaying the loan in advance.

2. The credit line of ABC Lefenyi.

Adopt exclusive "installment quota" management, and you will be notified of the approval result within 3-5 minutes after you apply. The limit is loaded on your designated credit card, which is tentatively valid for 30 days, and is included in the cardholder's total quota management and cannot be recycled. The installment amount of a single application does not exceed the installment amount that the cardholder can get, with a maximum of 300,000 yuan.

If a cardholder has not settled one Joy Slip Transaction, he or she cannot apply for another Joy Split Transaction.

Yes, but irrevocable.

Once the application is made, it is irrevocable. If you need to repay early.

You must call the business branch or customer service to apply. The time for applying for early repayment is from the day when the business is successfully processed to before the penultimate installment bill is generated. The installment handling fee that has been collected will not be refunded, and the installment handling fee that has not been collected shall be paid as agreed.

Extended information] Le Fen Yi is the installment business of Agricultural Bank of China based on the customer's consumer credit needs, the installment quota is approved for eligible target customers, and the installment funds are transferred to the customer's special account in Le Fenyi, in fact, Agricultural Bank of China Le Fen Yi itself is not a new product, but it existed before, but it was approved offline before, and it is also the qualification for inviting to open an application. Recently, the Agricultural Bank of China has adjusted the previous consumer provident fund entrance to clear the luck, and opened the application portal for smart credit in LefenyiAt present, the maximum application amount of Agricultural Bank of China in Lefenyi is 300,000 yuan, and the service period is up to 5 years. In fact, the information and process required for application are the same as the process of credit card submission, because Lefenyi itself is also a kind of consumption installment, and the installment funds can only be used by designated consumer merchants using consumer credit cards, and cannot be withdrawn or transferred.

Points to note when applying for Le Penng.

1.In fact, smart credit is the Agricultural Bank of China.

The intelligent matching recommended products, including the upgraded version of Lefen Card and Lefenyi, must be checked for credit when applying.

2.Lefenyi itself is also a kind of consumption installment, and the installment funds can only be used for credit cards at designated consumer merchants, and cash and transfers are not allowed.

3.Previously, Lefenyi needed to apply at the outlet, but now the online application is open. After passing, you also need to wait for the card to be sent to the branch for activation.

4.The instalment card limit is an independent approved limit, in addition to the credit card limit of the patient's bank.

Except for having an additional physical card, it is somewhat similar to installment credit products.

The following conditions are mainly required for the application of ABC Lefen Yi:

1.Applicants must be between the ages of 18 and 55;

2.Have full capacity for civil conduct.

3.Have a stable job and economic income**, and have the ability to repay the principal and interest of the loan on time;

4.Have a stable place of residence in the place where the bank operates;

The physical card of ABC Lefen can be issued to the cardholder in about 4 to 5 working days.

Before applying, you can choose to call ** in time to understand the relevant information, generally speaking, the review of ABC is very fast, about one working day or so, but it also depends on personal qualifications, different qualification review time is also different, before you apply for the card, it is best to bring the relevant documents directly to the local credit inquiry company to inquire first, so as to better avoid the problem, if there is no result for more than 5 days, You can choose to take the initiative to contact the customer service of the Agricultural Bank of China for consultation, and the specific loan time needs to be based on the bank.

As long as you meet the application conditions of ABC and have sufficient repayment ability, it is very fast whether it is system review or manual review.

<> now not only are there many online lending platforms, but banks have also launched many lending products, Lefenyi is a credit card installment product under the Agricultural Bank of China, then the Agricultural Bank of China.

Is it easy to apply.

Is it easy to apply for ABC.

For applying for other bank loans.

For more difficult users, as long as you use your credit card well and repay on time, you can apply for this installment loan. According to user feedback, it is relatively easy for users to apply for credit cards with good reputation, deposits or financial wealth management products, and housing loans.

ABC is happy to handle it.

The borrower needs to bring his or her identity document and Agricultural Bank of China Class I debit card.

Credit cards are also very important, go to the nearby Agricultural Bank of China business outlets, apply for this product;

ABC will judge whether to agree to issue loans based on the borrower's credit information and personal qualifications, and everyone will pay attention to their mobile phones, and the results will be notified in the form of text messages.

After the successful handling of the ABC Lefen business, the applicant can use the installment principal for consumption, but it cannot be withdrawn, and then the repayment can be made according to the normal amount.

Many ABC credit card holders, when they have a large amount of consumption needs, will apply for ABC Lefen business, and after the application is successful, the bank will transfer the applied Lefen Yi quota to the exclusive Lefen Yi special card, and then repay the loan with the card consumption. So if I apply for Lefenyi, do I have to repay if I have no consumption? Let's take a look today.

Does Lefenyi have no consumption to repay?

Lefenyi is the exclusive installment line of the credit card of the Agricultural Bank of China, which is mainly used to meet the consumer credit needs of cardholders such as home improvement, tourism, education, etc., and the applicant needs to take the initiative to apply to the Agricultural Bank of China. Lack of town marking.

As long as the Lefen Easy is successful, regardless of whether you use the money in the account to spend, you must repay the loan on time, and in addition to repaying the principal in each period, you have to pay a handling fee for the trip, which is related to the number of installments. There are 6 12 24 36 38 60 these periods to choose from, and the rate of each period is between, and the branches in different regions implement differentiated rates.

Although the successful application of the Lefenyi business is irrevocable, the business can be terminated by early repayment, and the cardholder needs to call the customer service of the Agricultural Bank of China credit card ** to apply from the day of the successful installment application to the generation of the penultimate installment bill of the installment, and the final repayment amount will be included in the minimum repayment amount of the next installment after passing the bank's review, and the full amount needs to be repaid.

In short, you can choose to use the principal or not, but even if you don't consume, you will still be charged a handling fee according to the agreed rate of the installment period selected when applying, so it is better for you to apply when you need it.

Summary. Hello, you are borrowing through an intermediary, the interest rate is particularly high, don't use it, you don't have activation, there is no payment, there is no need to repay, this is a kind of intermediary routine loan to the bank, many people have been deceived.

Hello, you are through an intermediary loan, cut off the head fiber interest is particularly high, or answer don't use, you are not activated, there is no next payment, there is no need to repay, this is a kind of intermediary loan to the bank, many people have been deceived by the destruction of group sales.

I applied for the Agricultural Bank on my phone but didn't activate it.

Doesn't that affect credit reporting?

No, don't worry, only overdue will affect the credit investigation, and if the loan does not reach you, you will not be responsible for repayment.

I can't withdraw cash, only for card consumption, I haven't activated it, and I won't be charged an annual fee, right?

No, this is not a credit card, there is no annual fee, only a physical card will involve an annual fee.

I didn't have a card, but I was sent a card number to activate, but I didn't dare to activate, saying that the card would be sent!

Anyway, if I don't activate it, it'll be fine.

As long as you don't activate it, you won't incur any charge.

Thank you! It should be pro.

According to the regulations, the Agricultural Bank of China's Lefenyi credit loan can be repaid in advance.

Target. However, for early repayment, the borrower needs to apply to the Agricultural Bank of China one month in advance, and after waiting for the bank's approval, the early repayment funds can be deposited into the credit card for repayment.

Extended information: According to the applicant's application, the Agricultural Bank of China grants the installment quota to the applicant after approval, calculates the installment account in the credit card and transfers the installment principal to the Lefenyi special account, and the applicant repays the installment principal in installments and pays a certain amount of installment procedures for selling molds. The maximum loan is 300,000 yuan, with a maximum term of 5 years, and is repaid in monthly installments.

What are the requirements for the loan?

Lefenyi is a consumer credit product launched by the Agricultural Bank of China, which is only issued to the designated high-quality customers of the Agricultural Bank of China, and only customers who have business with the Agricultural Bank of China can successfully apply for it.

The following conditions need to be met to apply for a Le Fen Easy Loan:

Applicants must be between the ages of 18 and 55 and have full capacity for civil conduct.

Have a stable job and income, and have the ability to repay the loan on time.

Personal credit is good.

What should I do if I don't want it after I handle it?

If you don't want it, you can't refund it, because after the application is approved, the bank will directly transfer the limit to the customer's credit card, and within the 30-day validity period, the user can apply to transfer the limit to the special card for card consumption. If the customer does not want to use Lefenyi, he can call the credit card of the Agricultural Bank of China.

The customer service hotline applies to the manual customer service for early repayment, but it should be noted that if Lefenyi repays in advance, the installment handling fee that has been incurred cannot be refunded, so customers also need to consider it carefully when applying for Lefenyi.

Does Lefen Easy have to pay the handling fee in full for early repayment?

Yes, Lefen Easy early repayment only charges the corresponding instalment fee, and the installment fee will not be refunded if the early repayment has been included in the bill.

Early repayment is divided into partial repayment and early settlement.

Partial repayment. If only part of the amount is repaid, it must be an integer multiple of the principal amount that should be repaid in each installment, for example, if 1,000 yuan should be repaid in the current period, then at least 1,000 yuan or 2,000 yuan should be repaid.

Settle early. Pay off all remaining outstanding amounts in full.