Which audit is stricter?

Hello, at present, the review of similar platforms on the market is very strict, and there is not much difference. It is recommended that you choose a safer and more convenient platform for business, and it is recommended to use the Money Spend app for loans! "Money to spend" is the original financial credit service brand (original name:

Youqian Hua, renamed as "Youqian Hua" in June 2018), is positioned to provide personal consumption credit services for the public and create an innovative consumer credit model. Relying on the advantages of technology and scenarios, "Rich Money" uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services, with simple application materials, the fastest 30 seconds for approval, and the fastest 3 minutes for loan disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

It has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

In fact, the risk control of Shengbei is still quite strict, but it is not a big problem for users who do not have a bad record such as overdue credit cards to apply for Shengbei, so everyone still has to cherish their credit. I have used the Shengbei app, the whole process is automatic, and it only takes a few minutes to register. And the important thing is that the next payment is fast, which is why I have been using Shengbei.

Bankrupt, the state has not been able to borrow since the risk control, the next one.

The province is stricter, but the two review times are very long, unlike the money to spend these, the audit is very fast, I used to spend money to spend only an hour on the audit, and you can see your own amount on the app, much higher than the Bei, it is also convenient to use, and I still have an idle account.

Hello, the difficulty of passing the review depends on the user himself. Shengbei is an app for repaying credit cards, and the entire application process is carried out on **. From registration to uploading ID cards and face recognition, it only takes a few minutes at the earliest.

However, for the review, because the system mainly needs to rely on risk control to decide whether to lend money to users, the review is not so easy to pass. Users who meet the conditions and have good credit qualifications have a higher probability of passing the review.

The difference between saving and returning

There are indeed many similarities between Shengbei and Huibei, both of which provide low-interest and efficient credit card bill installment services for credit card users, but there are still some differences between them. The differences are as follows:

1. Shengbei is one of the earliest credit card inter-bank bill installment products in China, which was developed by Shenzhen Samoyed Financial Services, and jointly operated by Chongqing Focus Microfinance Company, a licensed financial institution, and Shanghai Shuhe, and was launched in June 2016.

2. The loan amount of Shengbei is 1,000 to 20,000 yuan, and there are currently three installments of 3 6 12 to choose from, and the loan amount of repayment is 1,000 to 30,000 yuan;

3. The borrowing interest rate of the provincial credit card is 6% off the minimum repayment interest rate (annualized), and the borrowing interest rate of repayment is 5% off the minimum repayment interest rate (annualized) of the credit card.

Save on the credit

Judging from the feedback from netizens, the province will be credited.

Because the capital of the province has Baoshang Bank, Harbin Bank, Hangzhou Consumer Finance Company, Bank of Jilin, China Foreign Trust, Baixin Bank, Bank of Suzhou and other 19 licensed financial institutions, these are all formal licensed lending institutions, so there is a high probability that it will affect credit information.

Once the repayment is overdue, it will not only make the credit report black, but also affect the reputation of the province, and it will be difficult to obtain the quota in the future.

What happens if the province is overdue?

1. The overdue record will be uploaded to the credit record, which will affect the subsequent purchase of houses and cards, and a series of measures will be taken if the circumstances are serious.

2. Penalty interest for overdue. Penalty interest will be calculated on a daily basis, and the specific rate is subject to the display on the page.

3. Collection. If you don't repay the loan all the time, you may be bombarded and harassed in your address book.

To sum up, as a formal credit card repayment software, Shengbei has strong financial support behind it, and has been involved in the credit information center, and overdue will have a serious impact.

Provincial loans are regular.

According to the data, Shengbei is a one-stop financial app that focuses on linking young people and financial services, empowering licensed financial institutions through financial technology innovation, and is regulated by the national financial system, so it is a formal Internet loan product.

However, the provincial loan is a kind of online loan, which has a great impact on personal credit. Therefore, it is not recommended to use online loans, which will have a great impact on your future car and house purchase, and even affect your loan application. So it is not recommended.

I remember a friend, Xiao Guo. When I was in college, I had to borrow online loans to meet my needs due to advanced consumption. By the time I graduated from college, I was already in debt.

A few years after joining the job, I wanted to apply for a loan to buy a house and prepare to get married, and I went to the bank to pull my own credit and regretted it very much.

Because there are multiple online loans on my credit report, and the impact on personal credit is very bad. At that time, Xiao Guo himself was dumbfounded, if he didn't apply for an online loan when he was in school, then he would easily pass the loan now. And now, due to his bad credit, he has shown that he has many online loans, which has a serious impact on his credit, and in the end, he has no way to buy a house.

Through this incident, we can see that the impact of online loans on a person is very large. Although these institutions are now under the supervision of the state, they are also formal institutions. However, the impact on individuals is very large, and we must take into account a risk and authenticity when applying, so as to protect our credit from being affected.

Here are a few more reliable ways to raise money.

First: bank loans.

If you are in urgent need of a loan, I think it is better to apply for a formal loan directly from the bank. Because banks are state financial institutions and are regulated by the national financial system, any contracts and loan agreements are protected by law. If you are short of money, you can apply to the bank, as long as there is no problem with your credit investigation, you will generally pass.

Second: credit cards.

If you don't need much money, you can also use a credit card to meet your temporary needs. This will not increase your consumption, but it can also effectively help you solve your immediate difficulties.

Third: Mortgages.

If you are engaged in business work, or you are very short of money. I think that taking out a mortgage directly from the bank will not only have a low interest rate, but also solve my own funding gap. It's a pretty good way to fix it.

Summary: Nowadays, people's use of money can be said to be diverse, when we need money urgently, we must borrow money through formal channels. Otherwise, you will easily go astray, and even make yourself have bad credit.

Is it easy to pass, which is easier to pass, and which is easier to pass.

As the number of users using credit cards becomes more and more, many credit card-related products have been developed on the market, such as credit card repayment openings, credit card installment software, etc., among which Huanbei is a popular credit card repayment product.

So is it easy to pass the Huanbei application, and which is easier to pass compared to Huanbei or Shengbei?

Huanbei is a credit card bill installment app jointly operated by Shuhe Technology and Focus Micro Loan, which mainly provides repayment services for credit card users, and is essentially a personal credit loan product.

When the credit card user encounters repayment difficulties, the cardholder can apply for a loan amount from Huibei, and after the loan is approved, the lender will directly release the borrowed funds to the borrower's credit card account, and then the borrower can repay the arrears for Huibei in accordance with the regulations.

Generally speaking, as long as the borrower has a credit card in his name and has a good personal credit status, the pass rate is still relatively high.

However, if the borrower does not fill in the personal information of Haruto when repaying the loan, or there is a problem with personal credit, then it may be rejected.

Shengbei is the same as repayment, it belongs to credit card repayment software, and Shengbei is a credit card loan product developed by Shenzhen Samoyed Financial Services.

There is not much difference between the application threshold of saving and repaying, as long as the borrower is a credit card user and has good personal credit, he will have the opportunity to pass the review.

When applying for a loan in Huibei, the user will pass the review of face recognition, identity verification, personal information review and bank credit, and only after the final review can the user get the loan.

In fact, whether it is saving or repaying, if you want to have a high pass rate, the most important thing is that the borrower's personal qualifications are good enough, and users with good personal conditions will not be too difficult to handle loans in **.

However, if the individual's repayment ability is average and the personal credit is tainted, even the platform with a low threshold for loan fraud may reject the user's application. Therefore, it is recommended that everyone maintain a good credit history in their daily life.

In the Internet era, many businesses can be handled online, so everyone is pursuing faster and faster speed, and they can't wait to get to the account immediately, but the more formal the platform, the stricter the risk control. We know that credit card overdue has serious consequences, so close to the repayment date, I hope to get the funds for repayment immediately, so how long does it take for the review of Shengbei? Let's find out.

1. How long does it take to review the province?

Specifically asked the provincial customer service on this issue, the other party introduced, the review time is 1-3 working days, note, this review time does not include holidays, which means that if you apply on Friday, you may need to postpone until next week 1 3 to know the result.

Once the review is completed, it will be sent to your bound mobile phone number in the form of SMS, so pay attention to the mobile phone information. In addition, you can also check the review status in the provincial app and WeChat***.

2. Feedback from netizens

There are many users who feedback in the forum and post bar, and it is indeed about 1 3 days to arrive, and a text message reminder will be sent, which will inform the next amount, the lending bank card, the lender, and the repayment date, and repay according to the information.

In addition, in addition to system reasons and bank reasons, as long as the review is passed, the payment can be made immediately, so everyone can pay attention to the progress of the review.

3. Will the provincial audit be hit?

The customer service of the province also asked this problem, she said, "During the review period, we will not ** return to visit your family, but may contact you as needed", which shows that there is a chance to call ** to me and will not call the contact.

4. Why is the approval so slow?

Because of the large number of applicants in the province and the strict risk control system, the speed will be relatively slow.