Microprime credit is a revolving credit product. Normally, the amount is restored after repayment. However, some found that even if the payments were repaid, the amount had not been restored. Why? Let's see why。

It's probably the reason that the amount of the loan has not recovered after the loan was repaid in instalments

First, the amount would not be restored if the instalments were not fully repaid. For example, the loan of $10,000 would be repaid in 12 instalments and the amount would be restored only after the full amount of the loan interest of $10,000 had been settled。

Second, delays would also result in non-recovery. If the user fails to pay back on time, it will leave a stain on the personal call record and the platform may consider the user to be under economic pressure, thus limiting its continued use。

Moreover, the irregular use of the loan line may also result in a freeze. Although the particle loan is allowed for use, the customer must use the crediting line to the extent permitted by the contract. If irregularities are detected by the platform, the amount may not be restored in time after repayment。

In addition, the expiry of the identity of the lender is an important factor. Clients are required to authenticate their identity information on micro-letters and, if the identity information is outdated, the system may temporarily limit the credit line for risk control and compliance reasons。

Next, let's see how we repay the money manually. If the client of the granule loan has completed the instalment and needs to repay the loan manually, it can log in on the letter, click on “I” — “service” — “particle loan”, select the bill that requires repayment, and click on the repayment, the system will deduct the payment from the attached repayment card. Users need to ensure that there is sufficient balance in the card. Please note that manual repayments can only be completed in full; some repayments are not supported。

If the repayment date has been reached, the micro-banking system generally arranges for the first automatic deduction at the early hours of the repayment date. If the initial deduction fails, it will be attempted again after 17 p.m. in the repayment. Since there was no grace period for the repayment of particulate loans, even one day's delay could have a negative impact. It is therefore essential that the current bill be paid in full by 12 p.m. on the repayment date。

In the light of the above, proper management of the use and repayment of granule loans and full and timely repayment are key to ensuring a successful recovery。