If the user wants to return the insured policy when applying for a small win card loan, he needs to call the manual customer service of the small win card loan to explain the reason for surrender. After that, the user needs to contact the insurance company, because the surrender can only be run by the insurance company. The insurance company will decide how much premium to refund according to the amount insured by the user and the effective time.

Therefore, if users want to surrender their insurance, they should contact the insurance company as soon as possible. If you surrender your insurance within the hesitation period, the losses you need to bear are minimal.

Can I surrender the small win card loan bundle insurance?

Small win card loan bundled insurance can be surrendered. If you want to return the insured policy when applying for a small win card loan, you need to call the manual customer service of the small win card loan to explain the reason for surrender. After that, users need to contact the insurance company, because surrender can only be done by the insurance company. The insurance company will decide how much premium to refund according to the amount insured by the user and the effective time. However, this insurance is paid by the user's loan and generally cannot be refunded. When users apply for a loan on a small win card, it is best to read the agreement carefully and know what costs they have to pay when borrowing. If the comprehensive cost of borrowing is too high, they must be cautious when applying for loans.

First, the surrender process:

1. A surrender applicant who submits a surrender application shall receive and truthfully fill out the surrender application form, explain the reason and time of surrender, sign or seal it, and submit the application form to the business management department of the insurance company.

2. Prepare the surrender materials. The surrender person should prepare the surrender materials stipulated by the insurance company, including his ID card and insurance policy.

3. Handling Surrender Procedures The surrenderer carries the surrender materials to the counter of the insurance company to handle the relevant surrender procedures, and fills in the relevant information according to the staff's prompts. After passing the examination, he can receive the surrender money.

Second, matters needing attention

1. If you really want to surrender the principal loss, it must be within the hesitation period, otherwise you can only get back the cash value instead of the principal. But if it has been a long time, then try to surrender after paying the premium for two years. Because of the surrender within two years, the refund premium to be deducted is the highest.

2. When filling in the surrender information, be sure to read it clearly, because the surrender money was paid to the bank card account signed at that time. If this card is not your usual card, then you need to provide a new card to the insurance company.

Third, the type of surrender.

1. Surrender within the hesitation period Generally, every insurance company will set a 10- 15-day hesitation period. To put it bluntly, it is to give everyone a time to regret. If you don't want it during this period, you can apply for full surrender without any loss.

2. Surrender after the hesitation period is relatively more troublesome, but it is not impossible. You need to think carefully about whether the insurance salesman deliberately induced you in the process of promoting insurance, whether the signature on the insurance policy is signed by the applicant himself, and whether the insurance clauses are clearly stated. If you feel in doubt or have a pit, you can apply to the insurance company for full compensation, and of course, you should also produce some evidence, such as mobile phone recording or signature certificate.

How to surrender a small win card loan?

The best way to surrender a small win card loan is to call the platform customer service hotline for consultation. It is worth noting that this insurance is paid by the user's loan and generally cannot be refunded. When users apply for a loan on a small win card, it is best to read the agreement carefully and know what costs they have to pay when borrowing. If the comprehensive cost of borrowing is too high, they must be cautious when applying for loans.

Xiaoying Card Loan belongs to Xiaoying Technology and is a credit card balance compensation product, which provides users with credit card balance compensation financial services. It is mainly open to credit card people aged 20-55, and the borrowed money can also be used for education and training, study abroad, wedding decoration, catering and entertainment, medical beauty and so on.

The money borrowed by the user on the small win card loan must be repaid on time, and there can be no overdue repayment, because there will be penalty interest after the overdue, and the longer the time, the more penalty interest. Moreover, after the deadline, the platform will make a dunning. The common collection method is to call the borrower until the user returns it.

It should be noted that the small win card loans overdue will be uploaded to the credit information center after repayment, which will lead to the deterioration of personal credit information and affect the subsequent handling of various loans, such as car loans or mortgages. After the overdue debt is returned, it will remain on the credit report for 5 years and disappear automatically after 5 years.

Version information: Take Xiaoyin Card Loan Version 4.4.5, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.