Can I not be a member of Xiaoying Kadai 948?

You don’t have to be a member of Xiaoying Kadai 948, but it stipulates that you must be a member before you can make a deposit, so I remind everyone to use it with caution. The membership fee of 948 yuan will be deducted only after the next payment. Generally speaking, loan platforms usually do not charge pre-loan fees for any reason. If you need money urgently, you can apply for a loan on other platforms.

1. Be cautious when encountering routine loans

There are many online loan products on the market. If people want to get a loan, they can not only get a loan from a bank, but also choose a suitable loan online. Platforms are more convenient and faster, but online loans are not necessarily safe and reliable. There are many online loans with some tricks. Such as false propaganda to lure borrowers into scams. Usually online loans will promote "credit loans", "payment in one minute", "ultra-low interest", "ID card in seconds", "lower than bank interest" through the Internet, phone calls, text messages, WeChat, QQ and other social channels. Waiting for slogans, tempting people to contact "customer service" or download its APP to borrow money. And once you borrow this money, the nightmare begins. Routine loans are essentially illegal and criminal acts. In the process of implementation, they not only destroy the order of financial management, but are also accompanied by a variety of illegal and criminal acts, seriously infringing on the personal rights and property rights of the victims. The false contracts they signed and the debts they maliciously raised are all illegal. Not protected by law.

2. Loans from unlicensed institutions are invalid

According to the latest regulations: 1. Regular online loan companies must submit formal applications to provincial authorities; 2. After approval, go to the local The industrial and commercial department shall register and obtain a license; submit relevant information to the local public security authority and the China Banking Regulatory Commission within three to five working days; fourth, the loan contract signed by an unlicensed enterprise to grant loans to the public shall be deemed invalid.

Some also require the victim to apply for a new bank card and deposit an appropriate amount of money on the grounds that funds flow needs to be verified before applying for a loan. They obtain the bank card password and mobile phone verification code and then transfer the contents of the victim's bank card. money. I would like to remind everyone to stay away from illegal online lending platforms. If there is a real need in this regard, formal platforms or banks are the first choice.