Group buying food was inexplicably opened by the US Mission for monthly payment. Will overdue affect personal credit information?

Overdue will definitely affect credit. This loan model is the same as a bank credit card. Once overdue, it is possible to collect credit. Recently, a netizen of Meituan broke the news that after buying food with Meituan, it was inexplicably opened for the monthly payment of Meituan, and the interest doubled. It is reported that after using Meituan to buy food, the user received a short message, indicating that the monthly payment of Meituan has started, and the arrears are 100 yuan. At that time, the user thought it was a scam message. Later, the client opened the Meituan software on his behalf, only to find that he had really started the monthly payment of Meituan, and the interest was still very high, with a daily interest of five ten thousandths. The customer said that he called the customer service at that time, but the customer service actually said that it was a service for high-quality customers, with a monthly 300 yuan quota.

However, the user said that he was opened without knowing it. If he didn't check the software himself, he still didn't know. In other words, if he doesn't know and doesn't repay on time, he is likely to be on the credit list because of breach of contract. It is reported that the monthly payment of Meituan is an online loan service provided by Meituan. This model is similar to a credit card. The 8th of next month is the repayment date. If it is overdue, it will bear interest on a daily basis, with a daily interest rate of 0.05% and an annual interest rate as high as 18%. Overdue records will appear in the personal credit report, which will have a certain impact on your future life and work. Although users said that Meituan later voluntarily exempted itself from borrowing fees, they were still dissatisfied and thought that this forced opening would bring many risks to users.

After the incident was exposed by the media, many netizens immediately said that they had encountered similar things. When riding a bicycle of Meituan, I was inexplicably driven to give Meituan a monthly payment, and I needed to borrow one * * * two dollars. If they don't close it in time, they may get more loans. There are also different netizens who have said that they have encountered similar things when using other businesses of Meituan, and often inexplicably open such financial services.

Some netizens said that Meituan also used this financial service model for false publicity, such as promoting a zero-yuan membership card. After the user handled it, he found that the original Meituan paid back the loan on a monthly basis, but he still had to pay back the money, but in the process, the user was cheated and thought it was zero yuan. In fact, it is a loan installment, and he even has to bear interest. Relevant lawyers said that this actually violated the user's right to know and was illegal. Users can report to the Consumer Protection Association, and similar behaviors should be supervised, otherwise more people will be cheated in the future.