-
Manual Credit Increases:
- Not offered; limits are systematically determined
- Maintain good credit standing and timely repayments for potential increases
-
Credit Amount Calculation:
1. Basic credit: Based on verified submitted information
2. Additional credit: From external credit evaluation
Total credit = Basic credit + Additional credit
-
Credit Evaluation Frequency:
1. With each loan application
2. Through periodic random assessments
-
Credit Amount Fluctuations:
- Limits are dynamic
- Timely repayments and proper usage may increase limits
- External assessments can impact credit amount
-
Post-Repayment Credit Limit Reductions:
- Credit amounts based on multi-dimensional evaluations
- Limit adjustments may occur after repayment
- Consistent, timely payments typically lead to credit increases over time
-
Payment Date Changes:
- Loan repayment dates are fixed and cannot be altered
-
Loan History Deletion:
- Individual loan history deletions not supported
- Account closure removes loan history but doesn't reset credit line
- Credit evaluation may be retained for a period