Pay attention to telephone etiquette and the process of asking for content.
2. How to inquire about personal loan information of Industrial Bank?
I. Inquiring about my loan record, there are several ways to explain the bank loan situation. 1, online banking inquiry 2, telephone banking inquiry 3, bank branch inquiry, print personal credit report to local people with my ID card. Loan auditor. You can inquire when to adjust your personal information. Different banks have different regulations. You can call the customer service telephone of the handling bank for specific inquiry steps. 2. Inquire about non-personal loans. For example, guarantee for others, or suspect that personal information has been stolen. You can go to the branches of the People's Bank of China to inquire about the personal credit record report, which contains the loan situation in your name, but it takes a lot of time to inquire. (Note: Some provinces and cities can also inquire through the online credit information system) Personal bank loan inquiry service can inquire about interest, repayment records and repayment balance, which effectively avoids the credit problems caused by negligence. No one will search more strictly because they think they have never borrowed money from Japan, thus stealing the security of other personal information.
The basic conditions for bank loans are: the applicant 18 years old and the loan age is 0 years old; The applicant has a stable income and can repay the loan principal and interest on time; The applicant has a good credit record. Meet the above basic conditions, users can apply for bank credit loans. To apply for other types of loans, you need to meet some specific conditions.
For example, mortgage loans need collateral, secured loans need guarantors, and loan users need to have fixed business premises.
Bank loans are too slow. Can I change banks?
However, after the bank has applied for a loan, if it thinks that the progress is too slow, it can apply to the bank to cancel the loan, and then apply to another bank again.
The premise is that the loan approval result of the handling bank has not yet come out. If the loan approval result of the handling bank has come out, then you can't apply for cancellation of the loan. However, if the handling bank fails to pass the audit and is rejected, the customer can also directly apply to another company to try again. If the approval is passed, the handling bank has already started to lend money, and the loan funds issued can meet the demand, so it is unnecessary.
In fact, loan approval itself needs to be spent. If you apply and cancel, it may leave a bad impression on the bank, and if you apply for credit business in the bank in the future, it may also have certain influence. Customers should take the exam before applying for a loan.
After submitting the loan application, customers can also log in to online banking or mobile banking to check the customer service phone number of the loan bank.
Third, how to call customers for personal loan information and what to pay attention to.
Pay attention to telephone etiquette and the process of asking for content.
4. How can I contact the credit manager?
There are three ways to contact.
First, find the yellow pages with the office phone number of the bank, and then find the credit manager who knows his last name.
Second, call the bank's service hotline, report the name of the itinerary, and you can also find the office phone number.
Go to the bank lobby and ask the lobby manager. You can contact him.