the word "blackhouse" may make you love and hate people who use credit cards. but why is this credit-raised product also becoming a “blackhouse”? let's look into it。

why is it called black house

e this strange name for a loan is derived from the fact that some users, after applying for this e-credit service, found that their credit card fixes could not be increased for a long period of time and that additional temporary amounts were not available. more extreme, they even found the billing instalments unusable, as if they were locked in a “black house”. so, for a long time, e-credit became another alias for this “black house”。

it's important to remember: you can only apply for e-loans if you have a credit card with a bank. credit card amounts and e-loans are not on a line and are separate. once you have successfully applied for e-loan, your credit card and e-loan amount will be your debt at the same time and will need to be repaid separately。

if you're late, can you negotiate with the bank for repayment? the answer is yes. because it's essentially a credit card business. but don’t take the idea of swaying out to the bank, because perhaps in all cases, the bank will agree to your proposal for a consultation, which is, in the end, a concession. therefore, you need to be well prepared to provide the corresponding materials, such as personal income or financial constraints. it is only after your actual situation has been verified that it will be possible for the bank to accede to your application and enter into the negotiation process. and whether your consultation plan is reasonable or not will affect your consultations。