QQ, WeChat micro-loan account opening guide reveals the secret, saving small partners without micro-loan quota!

When you spend money, you hate less! No one is a rich second generation, and there is no mine at home. He is always short of money. Some people go to online loans to solve the problem of capital turnover when they are short of money.

How to open the big brand of WeChat micro-loan? Some students want to borrow small loans, but not everyone can apply for small loans. Small loans are conditional and the threshold is not low.

Next, my brother will give you a detailed introduction to how WeChat QQ opened microfinance.

Let's look at the conditions for opening an account for microfinance:

The opening and application of micro-loans adopt the user invitation system, and some users who meet the credit conditions will be invited by the system.

The opening of microfinance should meet the most basic conditions: the user's real-name registration system, the binding of ID card and mobile phone number; Personal credit is good, with a credit record and no bad repayment habits.

Micro-loan is to judge whether users meet the qualifications according to the usage of WeChat and personal credit, such as the frequency of users using WeChat, the traffic on WeChat, and the credit information.

It is understood that users' credit in micro-loans depends on social data accumulated by Tencent for many years and personal credit data of the central bank. In addition to personal credit information, social data also accounts for a very important part in our scoring system. Whether it is WeChat or "micro-loan" on mobile phone Q, users' data in the whole Tencent system products will be fully referenced when granting credit, with emphasis on social data of these two platforms.

However, in different channels, the criteria for judging the quota will be focused. For example, the "micro-loan" on mobile QQ will refer more to the activity of its hand Q when setting the credit limit for users; The "micro-loan" on WeChat will refer more to the activity of WeChat.

Tencent invites users to now see the "micro-loan" entrance in the "QQ wallet" of mobile QQ or the "WeChat wallet" of WeChat.

Brother, let me introduce you to some tips on opening micro-loans on QQ and WeChat.

If QQ and WeChat are not qualified for microfinance, how can we make ourselves as qualified as possible? Let's briefly talk about some skills.

1. Maintain good repayment ability.

After all, it is a loan platform and needs to pay back the money, so it will judge the repayment ability of users. Tencent will definitely judge whether you have certain economic strength and repayment ability according to various dimensions of users, such as the average daily balance of WeChat wallet, WeChat transfer, red envelope, Tencent wealth management amount and game recharge amount.

We use WeChat to pay more in our daily life, WeChat has money, and Tencent manages money, so we can let the system see our economic strength.

2. Carry out real-name authentication and improve personal information.

Real-name authentication and information perfection are very important, because Tencent can have a better understanding of us. Imagine, who would be willing to lend money to a stranger?

Therefore, you need to complete real-name authentication in Tenpay, and bind your own mobile phone number, ID number, bank card, credit card, etc. , and install digital certificates to improve and accurate personal information in Tencent's credit information, such as our work information, email information, education information, etc.

3. You have been using QQ or WeChat for a certain number of years.

If it is a new WeChat or QQ account, it is difficult for Tencent to apply for a small loan because it can't review the social data of users on the new account. Tencent will have social data only after using QQ or WeChat for a certain number of years, and evaluate the social data to judge the user's qualification.

4. Use WeChat to pay more.

Use WeChat payment, mobile QQ payment, Tenpay payment and transfer functions to form frequent capital flow records with people with good Tencent credit stars; Use Tencent's payment more, such as online consumption, JD.COM, offline shopping malls and supermarkets; Use Tencent's taxi software to make an appointment, get on the bus on time and pay in time.

The above related content is QQ WeChat's application to open a course on micro-loan methods. Generally speaking, as long as you have a certain economic strength, often use QQ or WeChat to pay, and have good credit habits, you can get an invitation to micro-loan.