Why should I upload my ID number for micro-loan repayment?

What will happen if micro-loans don't upload certificates? This is the direct consequence!

; ? Micro-loan is a product that Weizhong Bank can apply for directly on WeChat and QQ. Some users asked what would happen if micro-loans didn't upload certificates? Then let's briefly talk about this problem for everyone, hoping to help after reading it.

What will happen if micro-loans don't upload certificates?

The reason why micro-loans require uploading certificates is mainly to verify the authenticity of users' identities and verify the situation. For example, in order to meet regulatory requirements, anti-xq

Fraud will require borrowers to upload ID information.

If the user is overdue, he can also request uploading. If the user fails to upload according to the requirements, it will directly lead to the unavailability of micro-loans and the occurrence of risk control. It is recommended to follow the requirements of the platform.

Of course, there are many phishing websites on the market now, posing as micro-loan officers to send links to users, asking users to provide personal information such as ID cards and bank cards. This point still needs attention, otherwise it will easily lead to information leakage and financial loss.

If the user receives a similar message, I suggest you check whether it is a notice sent by the official channel first, or go directly to the official customer service to verify the authenticity. Do not directly verify according to the requirements of the other party to prevent abnormal situations.

The above is about "What will happen if micro-loans don't upload certificates?" Generally speaking, it may directly affect the normal use of micro-loans by users, and it can no longer be recovered through platform risk control. Therefore, it is recommended to upload it as required under the condition of verifying the authenticity clearly, and don't keep dragging it to affect the normal use.

The first time you borrow money, you don't need an ID card. What happened to uploading the front and back of the ID card for the second time?

To ensure the identity of the borrower.

Since the loan itself comes from the real-name registration system, users do not need to worry about security and privacy issues even if they need to upload their ID cards for repayment. In fact, normal loans need to upload the positive and negative information of ID cards, and micro-loan pop-up information allows borrowers to upload the positive and negative information of ID cards, which is also a guarantee. If the borrower fails to return it on time, it will definitely upload this information to the personal credit information system, and it is also very likely that the borrower's personal information will be sold. If you didn't ask for a front and back photo when you borrowed money before, but you need a front and back photo after this time, don't believe it. Never bring your ID card. Online lending must be cautious, otherwise it is likely to fall into the trap of routine lending if you are not careful. If it is not handled well, there will be some hidden dangers in the future. Moreover, if the micro-loan is to let everyone upload the positive and negative information of the ID card, then it is likely to be a routine. Don't handle it blindly at will. You can give the loan contract to a friend who knows the law better. Don't disclose your personal information. For example, the contracts of many online lending platforms do not meet the national regulations, so everyone should pay attention. Moreover, some online lending platforms have signed contracts with borrowers, and borrowers have recorded personal information, but online lending platforms have not lent. Then an online lending platform like this mainly collects some people's information. Later, everyone will find that their mobile phones often receive text messages from some loan software.

Why do small loans need ID card verification for prepayment?

Micro-loan is a cash loan product launched by Tencent Weizhong Bank.

The ID number needs to be uploaded when the micro-loan is repaid, mainly to ensure that the borrower and the repayment person are the same person and registered in the real-name registration system.

Micro-credit is only provided to some people, and lending is strict.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.

Why do you need to enter your ID number first when making a telephone inquiry for micro-credit loan customer service?

Mainly to ensure that the borrower and the repayment person are the same person.

At present, micro-loans are only open to some people, indicating that lending is strict, and users who are qualified to borrow should not help others with loans.

Micro-loan is a cash loan product launched by Tencent Weizhong Bank. When repaying the loan, the main purpose of uploading the ID number is to ensure that the borrower and the borrower are the same person and register in the real-name registration system, so as to prevent users from maliciously borrowing, avoid the loan amount being used in forbidden areas such as investment and illegal activities, and reduce the risk of borrowing. 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.