What are the consequences of gosling spending money without paying back the money?

Goose spent money as a loan jointly launched by Weizhong Bank and other financial institutions, and received credit reporting at the meeting. If Goose doesn't pay back the money, the system will upload overdue records to the central bank system, which will affect the borrower's credit reporting.

Charge penalty interest:

Goose will still charge penalty interest if it spends money. The penalty interest is calculated from the overdue day until it is paid off. If it is not paid back for a long time, it will increase the personal repayment amount, resulting in a larger repayment amount.

Telephone collection:

If Goose doesn't pay back the money, it will be collected by Goose's staff, who will call and send text messages to collect it, which will affect the normal life of individuals, relatives and friends.

Characteristics of Goose's spending money:

According to the official introduction, the personal bank account service is provided by Weizhong Bank, and the loan service is provided by licensed consumer financial institutions, which is safe and reliable, and the product interest rate is transparent. Goose spends money to operate on the whole line. According to the user's credit situation, the maximum amount is 5, yuan, and the longest loan period is 12 months. It supports consumption, transfer, red envelopes and cash withdrawal. 5% of the quota can be directly withdrawn to the bound bank card, and all the quotas can be bound to WeChat payment.

specifically, the current quota is generally around 2, to 7, yuan. Goose spending money can be said to be a combination of flower buds and borrowing buds, which can be applied in four scenarios: cash withdrawal, consumption, transfer and red envelopes.

1. Cash withdrawal: It is understood that 5% of gosling's spending quota can be withdrawn directly (the cash withdrawal amount should be an integer multiple of 1, and the minimum cash withdrawal in a single transaction should be in 1 yuan). The cash withdrawal must be carried out in stages, and you can choose 3, 6, 9 and 12 periods. There is no handling fee for gosling to withdraw money, but it can only withdraw half of the total amount of gosling's money. For example, the total amount of gosling's money is 5, yuan, and the maximum withdrawal is 2,5 yuan.

2. consumption: if you spend money with goslings, you can use as much as you have. For example, if the total amount is 5, then you can spend 5.

3. Transfer money and red envelopes: At the same time, Goose can also be tied to WeChat payment, including WeChat red envelopes and WeChat transfer. However, the maximum monthly limit is only 5 yuan, which will be automatically restored on the 1st of the following month.

What's the difference between micro-loan and micro-loan?

First of all, micro-loan is a consumer credit tool under Tencent, which mainly provides loans for everyone, while Goose's spending is actually more similar to Alipay's flower buds, and it is a credit tool mainly used for online shopping.

Goose spends money mainly by relying on Tencent video. It is understood that Weizhong Bank does not provide funds, but three licensed financial institutions provide lending services. These licensees are all connected to the credit information system, so when Goose spends money to apply for a loan, the relevant information should be reported to the credit information. Goose spends money on Tencent, which is still very reliable in terms of strength.

How to open goslings to spend money:

At present, goslings also spend money by invitation.

1. Tencent video APP.

download and enter the Tencent video APP, and click the personal center at the bottom of the home page; Click to enter the personal center, and find the spending icon of Tencent Goose under the limited time promotion column to enter the application opening. Tencent Goose can be used online and offline after spending money to bind WeChat payment. If you don't see the entrance, it means that you are not qualified for opening for the time being.

2. WeChat official account.

wechat searches for "Goose spends money" WeChat official account, and after paying attention, click "Apply now" and follow the prompts to see your quota. If we can improve the activity of WeChat account, maintain a good credit record and improve personal information as much as possible, it will also be conducive to the opening of Gosling's spending money.

besides Tencent's micro-loan and Goose's spending money, Borrowing and Spending Money are also credit service brands launched by BAT. You Qian Hua is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance), which supports active application with a maximum amount of 2, yuan, which can meet the borrowing needs of most people.

operating environment:

brand model: iPhone13

system version: iOS15.3.1

app version: v8..18