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.