Is the WeChat card loan reliable?

Wechat card loans are reliable and legal. Wechat Credit Card Loan is a mobile Internet loan service platform, which provides you with credit card balance compensation service.

1, credit card repayment, internet finance company, so the strength of WeChat card loan is still very strong. Wechat card loan is an application-based loan platform, and there is no need to provide too much privacy protection when applying for a loan. At the same time, the borrowing cost of a platform also reflects that the unified interest rate is not higher than 1.73%, which is within the annualized interest rate stipulated by law of 24%. Judging from the feedback from old friends who borrowed money, the collection method of WeChat card loans for overdue people also complies with relevant regulations, and the fees are transparent.

2, WeChat card loan Although you don't look at your personal credit information and clear its arrears, credit should be recorded in the personal credit information platform. If it is not returned within the time limit, the bad record will be recorded in the non-return period and submitted for credit investigation. Pay back the credit card on behalf of the user to avoid the influence of overdue payment. Therefore, after borrowing its loan, you can choose to repay it in installments, and the interest is lower than that of the credit card.

3 don't accept it, don't pay it back after the deadline. Therefore, if you don't want to collect money, even if the loan has a credit record, it will be recorded as timely repayment, which will help maintain personal credit.

1. As a pure online loan under Weixin Financial Technology Group, it has been a regular licensed loan for a long time. You can apply with confidence. At present, the maximum credit card loan is 200,000, and the service life is divided into 6-24 periods, and the age is 20-50 years old. You can apply for credit card loans through ID cards, bank cards and mobile phones in the APP, and most of them have not called back after submitting the materials. Friends with audit needs can apply for a try.

2. As a formal loan, the credit will be collected after the card loan is overdue. In addition, depending on the overdue time and face value, there will be a high penalty interest, which will increase the repayment pressure. With the increase of overdue time, Kaka will carry out violent collection of third-party collection companies, which will not only affect friends, but also be disturbed. When the overdue circumstances are serious, the card loan can also bring a civil lawsuit. However, item has provided a three-day tolerance period for everyone, and paying off the arrears during this period will basically have no great impact.

2. What loans does Weixin Jinke have?

Wechat Jinke mainly includes loan products such as Doudou Money, WeChat Card Loan, Star Money Bag, WeChat Cash Loan, Lending Music Flower, Lending Treasure, Anjiapai, etc. Among them, WeChat card loan, Doudou money, Star purse and WeChat cash loan are its main loan products, covering vertical areas such as credit card balance compensation, consumption staging and shopping staging. 1. Wechat Jinke is a domestic smart financial brand with smart financial products: WeChat card loan, Doudou money and so on. 20 19165438+10 month19, 20 19 Asian financial competitiveness selection list was announced, and weixin jinke won the "20 19 information disclosure enterprise award" II. Development history 2000. Wechat Jinke, established at that time, was the first professional enterprise in China to focus on the personal consumption credit market, 1. In 2007, the company reached a cooperation agreement with the initial foreign trade trust, and the self-developed business system VBS was launched. In 2009, during the data accumulation period of business start-up, Weishi Guarantee Co., Ltd. was established on 20 10, with nearly 200,000 customers, and Weixin Public Welfare started. The first batch of volunteers went to Zhikang Park to carry out volunteer activities. 4. During the data accumulation period of 20 1 1 business start-up and the business expansion period of Chengdu Weishi Company in May 201February, we completed the development of independent scoring model and decision-making model, issued Huijin No.3 trust in cooperation with foreign trade trust, reached a strategic cooperation with Industrial and Commercial Bank of China and signed a cooperation agreement with Bank of East Asia. Wechat public welfare was fully launched, donations were raised in Ya 'an disaster area, and Qingdao Small Loan was established during the 7-year business development period, 20 14. The VSCORE scorecard hummingbird cloud risk control was fully and successfully implemented, and the overall credit risk index was optimized month by month. The number of customers exceeds 1 10,000, and it has been certified as a high-tech enterprise in Shanghai. In the era of smart finance, a cooperation agreement was reached with Hangzhou Bank. "Smart Finance" plans to use artificial intelligence to connect big data and mobile Internet to realize the intelligence and automation of credit decision-making. The first smart financial product "Kaka Loan" was launched simultaneously. In June 5438+February, there were 250,000 monthly credit card users, and the loan amount exceeded 80 million. On September 20 16, in the era of intelligent finance, Doudou Money, an intelligent financial product, was launched, the "robot lending" model was innovated, and a variety of intelligent creditor's rights were packaged. In order to provide a variety of intelligent financial services, WeChat Jinke has deployed credit robots in several cooperation scenarios such as Telecom Wing Payment and China Mobile, officially launched the intelligent financial brand "WeChat Jinke", and announced the brand mission of "making financial services intelligent and accessible".

3. What are the apps that use credit cards to repay loans?

There are several apps, such as installment, repayment, savings, Kakadai, Little Black Fish, Little Win Card Loan, Uncle Wanka and so on. Repayment is not illegal, but threading is illegal. Whether it will affect the credit card depends on how these platforms help you repay the loan. If you change it in, brush it out, and change it in again and again, 80% will cause credit card risks. If you directly make a full credit card, it will generally not affect. Of course, if you issue it directly to the bank card, you don't have to worry about affecting the credit card.

4. What are the loan platforms that belong to the same group as credit card loans?

Want to borrow _, similar platform rich loan is doing well.