How is your credit amount calculated?
The credit amount is calculated in two parts. First of all, according to your basic submitted information, after verifying the authenticity, give the basic credit amount; Secondly, through the external credit evaluation system to evaluate your credit situation, according to the evaluation results to give additional credit amount, the sum of the two parts is your credit amount.
Will the amount of credit be reduced?
The amount of credit will be dynamically adjusted, and it is normal to increase or decrease. If you use it correctly and pay it back on time, your limit will continue to increase. In addition, if your credit status changes during irregular external assessments, the amount of your credit will also be affected.
How often do you evaluate your credit?
The evaluation of the credit amount is divided into two parts, one is evaluated each time the loan is applied for, and the other is evaluated randomly after a period of time. It is recommended that you maintain good credit, make your payments on time, don't miss the deadline, and then you can watch if the amount changes.
Can I apply for artificial credit?
As the credit amount is the result of systematic comprehensive evaluation, manual increase is not supported. If you want to increase your credit limit, you can:
- Maintain good credit, including external credit, good external credit evaluation results will increase the line of credit.
- After each repayment on time, the amount can be increased.
Can I change my payment date?
The repayment date of each loan cannot be modified. Please ensure that the loan is repaid on time as required. If you are late, your credit limit may be reduced because you are late.
How do I delete my loan history?
Thank you for your attention, but individual deletion of loan history is not currently supported. However, if you close your account, your loan history will be deleted from our system. But this does not mean that your line of credit will be reopened. Because your credit evaluation may be kept for a while.
Why will the credit limit be reduced after repayment?
The credit amount is the result of a multi-dimensional evaluation, not because you pay it back. The amount adjustment is normal, but may occur after your repayment behavior has occurred and has nothing to do with your operation. If you pay on time, your credit will soon increase.
