; ? Xiaoxiang Yan value card is a consumer credit product under Xiaoxiang Youpin. In today's credit loan environment, it can be described as ingenious, known as "Yan value consumption", and the application method is different from other online loans. Many users have successfully applied, but they always show that they are making money, and I don't know how long it will take to review. Let's briefly introduce it today.
To put it simply, elephant face cards generally need to be audited, and some users will be audited faster and need to go through these processes.
First, the system preliminary examination
The evaluation model of elephant face value card is that the withdrawal amount without trial is linked to factors such as face value and social activity. When applying, you need to complete the selfie, real-name authentication and related authorization, and enter the next step after passing the preliminary examination.
Second, manual audit.
If the system is approved, a manual auditor will be automatically assigned. You may receive a phone call or text message, add the auditor's micro signal and start the audit.
Therefore, many borrowers report that elephant face cards have been making money, which may be due to these reasons:
1, pushing messages in the background is slow.
You can always pay attention to the page refresh display. If the score is insufficient and does not meet the application requirements, the display fails.
2. A large number of applicants
Products with preferential prices for elephants will be recalled. Once the number of applicants is large and the customer service is not enough, it is easy to cause delays.
3. Holidays and weekends
Note: The longest review period of elephant face value card is 7 working days, excluding weekends and holidays. Don't be too impatient.
Step 4 contact customer service
If you don't call back for more than 7 working days, it still shows that you are paying, and you may be rejected, but your status has not been updated.
Loans always show what is happening.
This situation is generally due to the delay in payment due to the large number of current borrowers. Please be patient. If the loan is successful, please check the loan status.
Personal IOUs should pay attention to the following issues:
1. The legal full names of the borrower and the lender shall be clearly written;
2. The loan amount should be clearly written, including the amount expressed in words and figures;
3. The term of the loan should be clearly written, including the start and end dates of the loan and the clear term of the loan.
According to the following contents, writing formal IOUs should have legal effect:
1. The legal full names of the borrower and the lender shall be clearly written, with the borrower's autograph, handprint or handwritten signature, and the copy of the borrower's autographed ID card and marriage certificate shall be collected.
2. The loan amount should be clearly written, including the amount in words and figures. Write clearly the term of the loan, including the start and end date of the loan and the clear term of the loan, and write clearly the specific repayment date. Write down the date, month, day, time and payment method of repayment of loan principal and interest.
3 loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the final total loan interest (including the amount expressed in words and figures) should be agreed. The interest rate is at most four times that of similar bank loans. The interest rate of usury is not protected by the state.
4. Payment shall be made by bank transfer as far as possible, and the account number and transfer date of the other party may be indicated on the debit note. When handling the transfer, you can indicate the purpose of the loan. Ask the borrower to write a receipt separately for the money received.
Matters needing attention in writing loan IOUs
1. The creditor shall examine the debtor's identity document and require the debtor to write the iou in person. If the debtor gives the creditor a pre-written IOU, it does not rule out the possibility that the debtor's signature in the IOU is signed by others. When creditors demanded money back, they refused to pay back on the grounds that it was not their own handwriting. If the IOU is printed, it is best to ask the borrower to sign, stamp and fingerprint the borrower's signature column.
2. If the borrower is also the legal representative or person in charge of a company, the creditor must make it clear whether the debtor is the borrower himself or the company or enterprise he represents. Legally speaking, the legal representative or person in charge can engage in civil acts including payment on behalf of the company or enterprise. If the creditor is not clear about the identity of the debtor, there may be confusion about the identity of the borrower. The direct consequence is that creditors will face mutual prevarication between companies or enterprises and borrowers in future lawsuits, which will bring trouble to the realization of creditor's rights.
When lending money to a friend, you'd better leave a copy of his ID card to prepare for possible litigation in the future. Therefore, the IOU must be filled out by the debtor himself.
Keep the IOUs properly. Special attention should be paid to prevent the white bars from being stolen, lost and polluted, and the storage place should be safe and reliable, not easy to get wet and not in contact with chemicals. At the same time, it is best to make several copies, and then you can issue copies to the borrowers first to ensure the safety of the original.
How long does it take for the face value card to arrive?
It usually takes 7 days for the payment of Yan value card to arrive. If you haven't received it after this time, you are advised to contact customer service.
When the loan progress of the user's application for Xiaoxiang Premium Yan value card shows "Being Paid", it means that the user's loan application has passed at this time and is currently in the stage of fund raising and loan preparation. It is reported that it is rare that the loan progress indicates that the loan will be rejected, but it does not mean that the loan will be 100% successful.
If the Yan value card loan fails, it is generally because the applicant's personal filling is not standardized or the information provided is untrue, and the bank card is in an abnormal state. In addition, the matching lender needs to systematically review the applicant before reviewing it. If the borrower's qualification does not meet the audit conditions of the joint venture company or the matching employer does not have enough funds, the loan will also fail. Finally, if the platform employers are short of funds and the number of applicants is large, lending may also fail. At that time, users can only resubmit the application or directly change the platform application.
To sum up, when applying for platform loans, we must maintain good personal credit and sufficient economic ability. Generally, users with good credit will review and lend money soon.
Version information: Take Elephant Premium version 4.2.8, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples.