What is the most over-the-top advertisement you have ever seen?

1. Those who apply for credit cards, those who advocate 100 credit cards, no matter what kind of loan business, once they talk about 100 credit cards, they are deceiving people. Neither the bank nor the borrower is a fool. If everyone wants to pay, it would be better to just go to the street and recruit a beggar. So when you see such an advertisement, you should first consider your personal qualifications. If you know that you are a black account, and you still want to borrow money from the bank if you have overdue repayments, you should reflect on your IQ at this time.

2. Advocating to help you eliminate overdue records, change your credit report, and help you modify your credit report. There were many such advertisements in the past few years, but now there are very few because most people now know that it is a scam. , the credit report does not say who has the right to modify it, but is assessed by the People's Bank of China. Others say that modifying your credit report will change you from a black household to a white household. Do you think it is possible?

3. A certain advertisement claims that you can place a payment with your ID card. This is just an attractive advertisement. If you really believe in using an ID card to get a loan, then you are an idiot. Lenders are not fools. Even a beggar on the street has an ID card. Will the borrower lend it to him? Even the simplest loan process for any loan requires comprehensive review of personal circumstances to prove that he has the ability to repay. Any loan is lent to collect payment. Who will lend it to a person who has no ability to repay.

4. In the name of a loan, they ask you to add WeChat or QQ. After adding, they directly tell you to pay the handling fee first, and then guarantee the payment, etc. without asking about your personal qualifications. These are all scammers. They don’t understand your situation or your overdue record at all, so they just say they can make a payment, which is definitely not acceptable. Or they simply understand your situation and say they can make a payment. You know your own situation. , no other platform can download it, if someone says they can download it for you, would you believe it yourself?

5. Many loan intermediaries advocate that such-and-such loans do not need to be repaid, that such-and-such loans do not pass the credit report, etc. People who say these things are extremely irresponsible. First of all, once any loan is disbursed, it forms a lending relationship. It is natural to repay debts. There is no loan that does not need to be repaid. Otherwise, there is no difference between the borrower and the fraud. The lender can lend you money, and it must be in control. If you don't repay the loan, they will collect money from you and your address book, which will leave a stain on your credit. You must bear the consequences yourself. I guess you can't even contact those intermediaries who previously advocated not having to repay. I can’t contact you. Even for loans that are not credit-worthy, there is now big data. On big data, many small loans can be displayed on personal big data. Every day, many people come to me to check big data. Many people feel that I have not been able to contact them. My credit is also very good. After checking, I was dumbfounded by the results. Some of the "behaviors" I have done before are clearly visible in the big data. If you borrow money from others, you will owe them money for the rest of your life. Maybe they will find you one day, or in the future. Find out what your children are and more.

6. Many advertisements now advertise "interest-free loans", claiming zero interest, etc. Do you think it is possible? Lending institutions are not fools. Is it possible to waive interest? There is no interest for several times, and the handling fee is scary high.

7. Many people think that online loans are all usury. This is not necessarily true. You, me, Paipai, etc. are all formal platforms. Online loans cannot be killed with a stick. Internet finance is also the development of the times. According to the trend, small platforms should be rectified to crack down on loan sharking, not online loans.