How can I ask for repayment if the micro-loan is not opened?

Why did Ant Micro-Loan send me a text message asking me to repay the loan? Is it a scam message?

Yes, it is obvious that your personal information has been leaked and targeted by fraudsters.

1, your mobile phone often receives short messages similar to advertisements, indicating that your personal information has been leaked, or that your mobile phone number has been leaked.

As long as your mobile phone number is still in use, they will keep texting. Power outages are basically useless. They all use the network number, one number at a time. Also, according to the regulations of communication companies, merchants must mark TD in the content when sending short messages. These two letters are purely decorative, not only useless, but also make them think that you are an active customer.

3. Generally speaking, the content of the short message is to remind you to apply for a credit card in the name of a bank, and some small loan companies remind you how many credit lines you have. Whether it is a credit card or a small loan, it is a routine, which will not bring you any help, but it is also in danger of revealing personal information.

1, online lending and p2p online lending are short for online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subclass of Internet finance industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

3. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.

4. Promote the healthy development of Internet finance and better serve the real economy by encouraging innovation, strengthening supervision and mutual support. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

How can I repay the monthly interest without a small loan?

Micro-loans don't have to be paid back every month. If you don't apply for a loan after opening a micro-loan, you naturally don't have to pay it back. After borrowing money, because micro-loans support repayment as you borrow, you can actually choose to repay the borrowed money on the same day, and you can repay it the next day. There will be no loan next month, so naturally you don't have to pay it back next month.

Of course, if the customer chooses to repay in installments of 5, 10 and 20 (month) and does not intend to repay in advance, then he must repay on time every month. Generally, the micro-loan system will automatically deduct money on the repayment date. Usually, the first deduction will be made in the early morning of the repayment date. The fee deduction failed in the early morning, and it was deducted again in the afternoon 17. Therefore, customers only need to ensure that the funds in the repayment bank card are sufficient.

However, the interest on small loans is calculated on a daily basis. The number of days the customer actually uses the loan funds will be counted as interest when repaying. Therefore, if the loan is repaid in advance, the interest to be paid will be reduced, and there is no formalities fee for prepayment of micro-loans at present.

What should I do if I receive a reminder message about microfinance, but I have never used microfinance?

This is illegal, and the police can deal with it directly.

If it is a micro-loan of WeChat, it is automatically opened, not everyone has it. If you receive an advertisement telling you what to do, how to open it and how much to charge you, don't believe it.

Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank for WeChat users and mobile QQ users. At present, micro-loan adopts the official invitation system, and invited users can see the entrance of "micro-loan loan" in QQ wallet and WeChat payment of mobile QQ.

There is no other way to force the opening of micro-loans for the time being, and users are not supported to apply for opening on their own initiative. As a formal loan, micro-loan will not charge any pre-loan fees. In addition, in the process of using micro-loans, except for loan interest and overdue penalty interest, micro-loans do not charge any other fees, and early repayment will not generate handling fees.

Therefore, once you encounter financial fraud from a fake formal loan company and charge for a private social account, you must be vigilant and don't believe it.

petty loan

"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.

"Micro-loan" adopts the official invitation system? Invited users can see the entrance of "micro-loan" in QQ wallet of mobile phone QQ and WeChat Pay, and get a maximum loan amount of 200,000 yuan.

Micro-loan is an Internet banking loan product launched by Weizhong Bank. Microfinance has the following characteristics. Unsecured and unsecured; Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans.

"Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit. Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee.

In addition to the regular default withholding repayment, "micro-loan" also supports users to settle loans at any time without charging any other additional formalities.