Are financial communications on WeChat trustworthy?

Is it true that Kuaishou adds WeChat loans?

It is not true.

Online loans that add users to WeChat are basically fake.

Online loans all have their own official loan channels, and it is impossible for customer service to add users for review and mortgage loans. Is it reliable to borrow money by adding friends on WeChat - Borrowing money by adding friends on WeChat is a scam

; Most of the time, borrowing money by adding friends on WeChat is a scam. When you are in urgent need of money and express your feelings online, someone happens to say that he is willing. To lend you money, just add WeChat and send the relevant information, and you can get a loan without review. Most of the loans that come to your door are fake, so don’t reveal your personal information!

To borrow money, add WeChat Is it reliable? It is not trustworthy to use WeChat to borrow money. Users add strangers on WeChat to apply for loans from each other. If the other party requires the user to provide his or her personal information without lending the user money, the user's personal information is at risk of being leaked. Or the user paid an upfront fee to the other party, but the other party did not lend the money to the user, so the user lost a sum of money before receiving any loan funds. Therefore, borrowing money through WeChat is risky, so users are advised to apply for loans through formal channels.

WeChat friend borrowing scam When you are in urgent need of funds, if you cannot borrow money from relatives and friends, you can only apply for an online loan. There are many platforms that can provide small loans, with the amount basically ranging from 5 million to 300,000. You can apply through banks, online loan platforms, etc. Not enough. If someone adds you on WeChat and says they want to check loan information and lend money on WeChat, then be careful. Generally speaking, formal online loan platforms have their own online loan APPs. You can apply for information in the APP, and as long as it is approved, the money can be transferred to your bank card. It is impossible to add friends on WeChat to review information. If the other party says to transfer money directly on WeChat, it is more likely to be a scam. These scammers first steal your information, causing your privacy to be compromised. Afterwards, you will be asked to transfer some deposit and handling fees first. After receiving the payment, your WeChat account will be blocked and it will be impossible to lend you money. Please be careful.

Is it a scam if a friend borrows money on WeChat? There are only two situations where you can borrow money on WeChat, one is an acquaintance and the other is a stranger. The people who come to us to borrow money are usually acquaintances. If such people fail to pay back the money, they can only blame themselves for being a bad person. I believe you wouldn't lend it to a stranger, right? Of course, if your friend's WeChat ID is stolen, you can call the police at this time and say that you have been deceived, and you can ask the police to help recover your money. Is it true that Rongyihua online loan plus WeChat is true?

Yes. Rongyihua is a new entry in Rong360’s APP that has just been launched. It is an unsecured credit loan. Among them, Rongyihua Online Loan plus WeChat is real and can be convenient and fast. Use WeChat first, pay later, and lose WeChat points after a few days overdue.

Use WeChat first, pay later, and have overdue consequences. If you fail to pay off after 30 days overdue, the use of WeChat Pay will be restricted. There is no accurate description of the time to lose WeChat points. .

The consequences for overdue Tencent customer service according to WeChat’s answer of using first and paying later include:

1. You can no longer use split payment;

2. Overdue payment The repayment amount will be charged with penalty interest based on 1.5 times the daily interest (the maximum annualized interest rate shall not exceed 24%);

3. If the repayment is overdue for 30 days, the use of WeChat Pay will be restricted.

There is no mention that WeChat points will be deducted. It is recommended to pay off the outstanding amount as soon as possible after it is overdue. To prevent even WeChat payment from being banned. If the split payment function is cancelled, you can only give up using the split payment function.

Overdue WeChat payment is an online loan. If the borrower fails to repay the loan after taking out an online loan, the following adverse consequences will occur once it is overdue:

1. Encounter penalty interest and liquidated damages. If you fail to repay overdue, the first thing you will face is high penalty interest. Generally, after the overdue period, the platform will charge overdue interest from the borrower. The overdue interest rate is usually much higher than the actual loan interest rate. In addition, the platform will also charge liquidated damages or late payment fees. The longer the time, the more time it takes. The more late fees will be incurred.

2. Credit damage. Now all payment platforms have credit reporting. If a borrower is overdue, the loan platform may upload the user's overdue record to the central bank's credit reporting system, which will leave a bad record in personal credit reporting. Although some platforms are not listed on the credit report, we are now in the era of big data. If you are overdue on one platform, you will be hindered from borrowing money on other platforms later.

3. Received various collections.

When a borrower becomes overdue, the platform will collect debt through text messages, phone calls, etc., and may even encounter door-to-door debt collection. Various debt collection methods will have an impact on the borrower's normal life.

4. Being sued. If the borrower owes a large amount and is overdue for a long time, the lending institution may use legal means to recover the debt. However, if the borrower still refuses to repay the debt after being sued, the court may include it in The person subject to execution for dishonesty, that is, the lao lai, will not only have no hope of handling credit business after becoming a lao lai, but will also be restricted in consumption.

Therefore, everyone must pay attention to maintaining a good repayment record after using share payment, and avoid overdue behavior, so as not to cause unnecessary trouble to themselves. About disbursement

What is disbursement? Fenpay is a financial service provided by WeChat that allows you to pay first and pay later. So which one is better than Huabei?

After doing some research, I discovered a problem

Huabei is for this month and will be paid back next month. That is, there is a one-month interest-free period.

But! but! The split payment is based on daily interest, which means that interest will be paid every day starting from the day you settle the account with the split payment. It's quite uneconomical to use.

The daily interest rate is 0.04%. What concept? That's four thousand, that's two cents. You can imagine how high the interest rate is. It’s best not to use them, they all belong to online loans. Such high interest rates.

Everyone who uses Fenfu must be careful and cherish the credit report on WeChat Pay

WeChat Pay has been connected to the People's Bank of China credit report. When users apply for Fenpay, there will be a query record. Credit reference, if the loan application is successful, there will be a credit reference on the loan record. In addition, if the payment is overdue, the overdue credit record will also be uploaded to the credit report summary. Repaying the loan on time through WeChat Pay is conducive to the accumulation of a good credit record and plays a positive role in subsequent applications for credit business. All in all, WeChat Pay is a credit-reporting product. Users must repay on time. Failure to repay on time will result in overdue records that will affect personal credit.

It is actually not difficult to know whether an online loan platform requires a credit check. Under normal circumstances, when you log in to an online loan for the first time, the app will request various authorization information. Only when you click "Allow" can the online loan platform check the borrower's credit report. If the online loan you are applying for also has When applying for credit inquiry authorization, your credit report will most likely be checked.

For online loans that have already been borrowed or are overdue, you can go to the Credit Reference Center of the People's Bank of China to print a personal credit report to check the specific information. You can mainly check your own credit report. Loan records and query records, and then based on these records corresponding to the platform you borrowed from, you can more accurately determine which online loan platforms have been listed on the credit report.