Whether applying for a loan or a credit card, you may receive a face-to-face notice from the bank. Someone asked such a question, saying that if ABC doesn't go to face-to-face signing, will there be consequences? Then let's briefly talk about this problem for everyone, hoping to help after reading it.
What will happen if ABC doesn't go to face-to-face signing?
There will be consequences, the most direct impact is to cancel the application and not get the credit line. Generally speaking, whether it is a credit card or a loan, there will be an expiration date. If you still don't go to the interview and go to the next step, the bank will cancel the business and need to apply again.
At the same time, if users often "stand in line" like this, it will leave a bad impression on ABC and have a negative impact on future business management. Therefore, users are advised to handle it as soon as possible after receiving the notice from the bank.
Users need to bring relevant information when they go to the Agricultural Bank of China for interview. They will ask users some basic questions, such as personal information and work income, so just answer them truthfully. As long as users have repayment ability and repayment credit, there will be no problem and the probability of passing will be higher.
The above is about "will there be consequences if the Agricultural Bank of China does not go to the face-to-face signing?" . Generally speaking, users are advised to follow the notification requirements of the bank. If not, the application will be interrupted, and the credit line will not be obtained, leaving a bad impression on the bank. In the face-to-face interview, we should actively cooperate and truthfully answer the questions of the staff. It's easier to pass the customs if you have a good reputation.
Didn't CITIC Bank sign the card at the meeting?
CITIC Bank was informed that the card would not be issued if it could not be signed in person. If you receive it, you need to wait for the face-to-face sign to pass before issuing the card.
Call me personally to sign the IOU. Do you want to go?
If the user applies for a bank loan or a financial institution loan and asks the user to go to an offline outlet for face-to-face signing, then the loan contract must be signed by himself before the payment can be approved. When the user gives up the interview, it is equivalent to giving up the loan application. The online loan applied by users usually does not need to be signed in person, so such calls may be fraudulent calls.
In addition, if the online loan applied by the user is signed below, the loan page will usually be displayed. Please refer to the loan page to show whether you need to sign in person.
Do I need to apply for a bank loan in person? How long is the credit report valid?
Do I need to apply for a bank loan in person?
When applying for a loan from a financial institution, an interview is required. Face-to-face signing is a crucial process in the process of loan. During the face-to-face signing, the bank will inform the lender of the specific loan matters and further investigate the lender. If the lender does not go to face-to-face signing, financial institutions generally will not make payment. Therefore, once the customer receives the notice of face-to-face signing from the commercial bank, it is necessary to complete the face-to-face signing within the time stipulated in the contract. If there is no accident during the face-to-face signing, there will generally be no problem with the loan, just waiting for the bank to lend money.
What should I pay attention to in the loan interview?
1. Provide proof of income flow and funds.
Stamp the official seal of the unit or personnel department. No modification will occur. Personal income certificate should be guaranteed to be more than twice the monthly payment, otherwise it will endanger the loan credit limit. If the income is insufficient, you can increase the number of lenders. If other loans are not settled, the personal income certificate must be more than twice the total monthly repayment amount of all outstanding loans before approval.
The main purpose of face-to-face signing of financial institutions is to evaluate the repayment ability of lenders from beginning to end. It has certain economic ability and stable income, which proves that financial institutions can distinguish the repayment ability of lenders. Among them, providing marriage certificate and household registration book is the main premise to distinguish repayment ability. If you divorce, you need a divorce certificate.
2. Provide personal credit report.
Compared with financial institutions, the personal credit investigation of loan face-to-face signers is a necessary step. Whether buying a house or other loans, you need to check the lender's credit information. If you are married, you need to check the credit information of both husband and wife.
3. Provide proof of stable work unit.
Providing a stable work unit certificate or labor contract is a material that the lender must carefully prepare. In addition, in view of the running water of financial institutions, the requirements of financial institutions are confirmed by running water that lasts for 6 months.
4. Bring all valid certificates and materials.
There are relevant information when signing the contract, and the general loan will be informed in advance. ID card household registration book, scanned ID card, payroll, my interview report, etc.
How long is the credit report valid?
Generally speaking, the validity of a personal credit report cannot exceed two weeks. Of course, it depends on the regulations of the lending institution. In order to maintain the credibility of personal credit report as much as possible, customers should try not to print the credit report too early, and then print it if necessary. Customers can also print their own credit reports in the People's Bank of China or its authorized banking industry. Customers can print personal credit reports twice a year for free. If the frequency exceeds, they have to pay, which users must pay attention to.
How to read the credit report
1. Personal information, including name, fetal sex, age, work unit, mailing address and other data used to identify personal information.
2. Bank information, which records the business status of each credit card and loan in detail, actually shows the historical time of the defendant's past debts.
3, non-bank information content, record the specific situation of users in the communication water and electricity payment, such as whether there is a problem with the use of mobile phones, whether there is a deduction of public utility fees, etc.
4. Questioning the record, when the defendant's personal credit information policy is different from the specific content of the problems often reflected in the report, he can express it by adding a statement and have the right to question, indicating the protection of the legitimate rights of individuals. These are effective ways to calibrate and improve the information content of credit rating agencies.
5. Check the records. I have been summarized by all the records of the past six months.