Meituan borrowed money and opened it without taking the limit to collect interest

Meituan borrowed money and opened it, but did not withdraw the quota and did not charge interest.

Meituan Loan is a cash-based consumer credit product provided by Meituan to individual customers, and it will not affect customers if they do not use it after opening, and there will be no fees. Interest will only accrue when a customer borrows money from Meituan; Adverse effects occur when the repayment is overdue. Because Meituan has borrowed money to access the central bank's credit system, after the deadline, it will leave a bad credit record in the credit report of the People's Bank of China.

Overdue will also incur penalty interest, which is charged at multiple of the normal loan rate.

Meituan has a quota for borrowing money but can't borrow it, mainly because the user has not passed the system's review. Meituan has a quota for borrowing money, which means that the user has obtained the borrowing qualification, and the borrowing qualification does not mean that the user will definitely be able to obtain the loan through the review. When the system audits, it will comprehensively evaluate the credit qualification status of the user's account, so the failure of the review is generally caused by a combination of factors.

If Meituan's loan fails to pass the loan review, users can choose to apply for a loan at an interval of time, and then apply again after a certain period of time, and the review result may change.

Meituan borrows money as long as it is approved, it will show the amount, there is a quota but it may not be able to lend out, it needs to be reviewed when borrowing money, if the applicant fails to pass the comprehensive assessment, it will not be able to apply for a loan, the comprehensive assessment is to check the applicant's credit in recent months as the basis, most of which are caused by high debt ratio and personal credit have been affected.

If you want to borrow successfully, you need to maintain your good credit, reduce your debt ratio, and improve your personal information. That's all for the content of Meituan's borrowing quota that can't be borrowed, and maintaining a good credit is the most important thing.

Supplementary information: What is the reason for the failure of Meituan's loan with a quota?

1. Limited quota: Meituan's loan is made by Chongqing Sankuai Microfinance Company, and if the quota is tight and the funds are insufficient, it will lead to loan failure. Therefore, it is best to choose the time period when the loan is fast to apply, at this time it means that the funds are ***, if it has been delayed and has not arrived, you should pay attention.

2. The applicant's qualifications are not good enough: It does not mean that if there is a credit line, it will be approved, and among the same users, the platform will definitely give priority to lending to those with good qualifications.

3. The bound bank card is wrong: If none of the above situations are available, but the loan still fails, you can check whether there is a problem with the bank card bound to the loan, whether it is a bank card supported by the platform or whether the card itself has been frozen or cancelled.

Is the interest rate on Meituan borrowing money high, and is it legal for Meituan to borrow money at interest.

How to calculate the interest on Meituan's loans:

If the interest rate of Meituan borrowing money is legal, the daily interest rate of Meituan borrowing money is around the same level, and it will change according to the comprehensive situation of the user.

According to the daily interest rate, the monthly interest rate is, and the annualized interest rate is. The state stipulates that the annualized rate of protection is 24% or less, so it seems that the interest on Meituan's loan is still legal, and it is about the same as the usual interest on small loans.

Meituan Loan is a joint Meituan platform and Chongqing Sankuai small company loan platform, if you borrow money from Meituan and repay the loan one day overdue, then in addition to the normal loan interest, you also need to pay one day of overdue penalty interest. Penalty interest is generally much higher than normal loan interest.

When everyone is short of funds, I use no less than 10 loan products myself, and on the whole, it is still more recommended to have money to spend with Xiaoman (formerly known as finance), for reasons such as up and down: 1. Compared with the invitation system of borrowing and micro loans, you can take the initiative to apply if you have money to spend. 2. The maximum amount is 200,000, the minimum annualized, and the account arrives in 3 minutes, which is already very useful; 3. Regular big platform, don't worry about routines;

4. The general formal product review is relatively strict, although it is easy to use, but it is difficult to apply, and it is the same if you have money to spend, but I am looking for an exclusive application channel for internal personnel, and the next payment rate is very high, so it is the most recommended product in the product, there is no one, since it is recommended to everyone, and the exclusive application channel is presented, and friends in need apply for it themselves, just remember to use it on the same day to get the quota, otherwise it may be withdrawn.

There is another one: 360 IOU is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone, with a limit of less than 200,000 yuan, a term of use between 1-12 months, and a daily interest rate that can be as low as. As a platform under the network security giant, 360 IOUs are still more reliable than general platforms.

360 IOUs can borrow up to 200,000!

Third, the "New First Loan" is an unsecured RMB loan business owned or issued by Ping An Bank for personal legal consumption or business purposes other than the purchase of housing. The information is complete, and the loan will be disbursed within 1-3 working days.

Low application threshold: you can apply with an average monthly income of more than 4,000 yuan (car loan, housing loan, provident fund, insurance policy is preferred), the amount is appropriate, and the repayment is flexible: the loan amount is RMB 10,000 to RMB 500,000; The loan term is 12 months, 24 months, 36 months, and up to 48 months for good occupations.

Private borrowing is a loan between natural persons. It is normal to lend money to others to collect a certain amount of interest, but if the interest charged exceeds the amount prescribed by law, it will constitute usury, and usury is illegal.

According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, if the borrower and the borrower have not agreed on the interest, and the lender claims to pay the interest during the loan period, the people's court will not support it. Where the agreement on interest in loans between natural persons is unclear, and the lender claims to pay interest, the people's court will not support it. Where the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

If the interest rate on Meituan's loans has risen, it is most likely caused by the system raising the interest rate. The reason why the system will raise the interest rate is likely to be due to the recent decline in the overall score of the system compared with the past.

It should be noted that the interest rate of Meituan's borrowing is not fixed, but will be adjusted accordingly according to the results of the comprehensive assessment from time to time. If the credit level rises, the interest rate may be lowered; If the credit rating level falls, the interest rate may be raised. Not only the interest rate, but also the amount, but it just happens to move in the opposite direction of the interest rate.

If the overall qualification becomes better, the quota may be increased; And if the qualifications deteriorate, the quota may be reduced. The reason for the decrease in the overall score of the system is likely to be credit problems, such as credit damage due to overdue repayment; or due to excessive borrowing recently, resulting in long borrowing and excessive debt, the system is worried about insufficient repayment ability; It is also possible that the account risk has increased due to the recent change of equipment login and frequent modification of account information, resulting in an increase in account risk.

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