I often receive text messages that are answered. Is the return legal?

Now almost everyone receives a large number of marketing messages every day to promote various businesses to users, and even some users often receive multiple messages from the same product. Users said that they often received short messages from a platform called "Huanbai". After reading the short message, I found that I want to provide credit card repayment service for myself. After credit card repayment, the interest on installment repayment is relatively low, and users are also interested, but they just don't know whether it is legal or not.

Huanbai is a formal and legal platform. It is a licensed financial institution and has been recognized by the state. Therefore, compared with many platforms without financial licenses, Huanbai is still relatively compliant, and users don't have to worry about being cheated.

In addition, the installment fee after returning the credit card is not very high, which is generally lower than the installment fee of the bank credit card, so the fee is also legal and compliant. So generally speaking, repayment platforms are formal platforms. When users need credit card repayment service, they can choose to apply for a loan.

Although the interest rate of installment repayment is relatively low, which has won the favor of many users, I still want to remind users not to rely on repayment when using repayment. Some users' self-control is not very good. After learning about the repayment, they may think that they spend too much, and they can use the credit card to repay the loan once, so the consumption is getting higher and higher, and there are more and more installments, which will easily lead to overdue repayment in the later period. The more stages, the higher the corresponding cost that users need to pay back.

Repayment is an opening to collect information at the meeting, so users must not apply for too many loans in return, so as to avoid too much repayment pressure in the future and lead to overdue repayment. After all, there will be credit records in the credit report of overdue repayment, and it will be very difficult to apply for other loans in the later stage. Users with serious situations will even affect buying a house and a car.