Suning is a small consumer loan service under Suning finance, which is similar to that of Alipay. It is illegal to withdraw the amount of discretionary payment. If it is detected by the system, the amount of discretionary payment may be frozen or disqualified. If you need cash, you can choose Suning willful loan.
Suning wayward new user quota is used for consumption. If users need cash, they can try to apply for wayward loan. Willful payment does not provide cash withdrawal service. If the system detects that there is a suspicion of cash out, the system may freeze the amount, reduce the amount, or even recover the amount. As for the recovery time, it is necessary to judge according to the severity of the situation. New users can keep good credit records and repayment records after they get the quota, so that the quota will slowly increase.
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Suning financial capricious payment is a small consumer loan service of Suning finance, which is similar to that of Alipay. After the user submits the order in Suning e-buy, if he has applied for wayward payment and has a quota, the cashier will display the wayward payment method. At this time, the wayward payment quota can be used for payment. It is illegal to withdraw the amount of discretionary payment. If it is detected by the system, the amount of discretionary payment may be frozen or disqualified.
苏宁任性贷支持提现，什么时候到账具体还是要看你选择什么方式了，不过基本上都是当天到账。苏宁任性付到账时间分为两种情况，一种为取现账户是易付宝账户，另一种为取现账户是银行账户。如果大家提现到易付宝账户，那么就是实时到账；如果大家提现到银行账户，那么就要根据银行的处理时间来确定，一般为 10 分钟左右。
Suning willful loan supports cash withdrawal. When it arrives at the account depends on the way you choose, but basically it arrives on the same day. Suning willful payment time is divided into two cases, one is the cash withdrawal account is easy to pay treasure account, the other is the cash withdrawal account is the bank account. If you withdraw cash to the e-paypal account, it will arrive in real time; if you withdraw cash to the bank account, it will be determined according to the bank’s processing time, generally about 10 minutes.
任性付是由苏宁消费金融公司推出的小额消费贷款，用户可在购物时使用该产品付款，享受 30 天免息（费）、分期还款、提额、灵活用等服务。其本质是消费金融贷款，是苏宁为了提升会员黏度抓住更多的用户群体而推出，与早前京东推出的白条和支付宝推出的任性付类似，让用户在没钱的时候也可以在对应的平台上购物，从而来长久抓住客户，所以这个额度是用来消费的，是让你在苏宁上买东西而不是白白给你现金让你取出来花的。只不过之前已有同类产品京东白条和支付宝花呗，苏宁任性付作为推出较晚的产品，为了在同类产品中体现出优势，给出了一定额度可以让广大用户灵活取现，就是任性付额度中的灵活用额度。
Willful payment is a small consumer loan launched by Suning consumer finance company. Users can use the product to pay when shopping, enjoy 30 days interest free (fee), installment repayment, amount increase, flexible use and other services. Its essence is consumer financial loan, which is launched by Suning in order to enhance the membership viscosity and seize more user groups. It is similar to the willful payment made by the white stripes and Alipay launched by Jingdong earlier. It allows users to shop on the corresponding platform without money, so as to catch customers for a long time, so this quota is used to consume, so that you can buy things on Suning instead of buying them. I’ll give you the cash for nothing. But there are already similar products like Jingdong white stripes and Alipay flowers. Suning willful payment as a late launch product, in order to show advantages in similar products, give a certain amount to allow users to flexibly withdraw cash, that is, the flexible amount of use in capricious payment.
任性付额度分为 2 个额度，一个是任性付消费额度，仅可用于购物；另一个是灵活用额度，可直接提现。灵活用额度是指从客户已获得的任性付额度中，按照一定的比例放款至客户本人易付宝账户或银行储蓄卡账户，用于客户小额、频繁、分散、时效性强、自行支用等消费事项，而这个比例是固定的，为任性付总额度的 20%。
The discretionary payment limit is divided into two limits: one is the discretionary consumption limit, which can only be used for shopping; the other is the flexible use limit, which can be directly withdrawn. Flexible line of credit refers to a certain proportion of the willful line of credit obtained by the customer to the customer’s own e-fubao account or bank savings card account, which is used for small, frequent, decentralized, timely, self spending and other consumer matters. This proportion is fixed, which is 20% of the total willful line of credit.
所以在苏宁任性付额度中，能自己操作直接快速提现的只有总额度的 20%，提现后任性付灵活用金额将直接打入您绑定的银行卡储蓄卡账户或易付宝账户，易付宝账户实行实时到账，银行账号 10 分钟内到账，具体到账时间以银行处理时间为准。如果你有 2000 额度的话，可以直接提现的金额为 400 元；如果你有 3000 额度的话，可以直接提现的金额为 600 元；如果你有 8000 额度的话，则可以直接提现的金额为 1600 元；如果你有 10000 额度的话，则可以直接提现的金额为 2000 元；以此类推。
Therefore, only 20% of the total amount of Suning’s willful payment amount can be withdrawn directly and quickly by oneself. After withdrawal, the willful payment amount will be directly transferred into your bound bank card savings card account or e-fubao account. The e-fubao account will arrive in real time, and the bank account number will arrive in 10 minutes. The specific arrival time is subject to the bank processing time. If you have 2000 quota, you can withdraw 400 yuan directly; if you have 3000 quota, you can withdraw 600 yuan directly; if you have 8000 quota, you can withdraw 1600 yuan directly; if you have 10000 quota, you can withdraw 2000 yuan directly; and so on.