Is the quarterly installment app reliable?

the quarterly installment app is not reliable, so it is suggested to use a large platform

The following points should be noted:

1. Is the loan platform approved by the China Banking Regulatory Commission and holds a financial license? If it is a small loan platform without a financial license, it is generally informal, and customers had better avoid it to prevent loan fraudsters from falling into loan scams.

2. What is the loan interest rate of the platform? Is it very high? If the loan interest rate is too high, you should be careful to encounter usury (it is stipulated in the Supreme People's Court that the annualized interest rate of online loan should not exceed 4 times of the floating interest rate LPR).

3. does the platform require customers to pay money in the name of guarantee money, unfreezing money, etc. before the loan is received? We should know that all formal licensed consumer financial institutions generally do not charge any upfront fees before issuing loans.

4. whether to provide a private account number when repaying, the customer is required to return it to the private account, and the customer should be wary of the other party's "running away with money".

5. if you borrow it once, you can't borrow it again, and you can "routine" the customer directly.

6. whether to intentionally close the repayment channel to make customers overdue, so as to collect overdue fees.

1. Mobile phone number, address book, call records, and short messages

Mobile phones must be authenticated by their real names. Why do online lending platforms want to get your address book? I'm afraid you won't repay the money, and it will be bombarded indiscriminately. Save your contacts in the address book in advance, preferably your relatives or the other half, because many platforms need to extract your contacts directly from your mobile phone address book, and check the names of your mobile phone contacts

for any words that should not appear, such as gambling, small loans, loans, intermediaries, cashing and other messy words. Don't use your brain to create a new address book, because the online lending platform can easily < P > identify the overlap of your contacts when obtaining your mobile phone service password. Android phones must delete short messages related to loans and credit cards, and this online lending platform also recognizes them in minutes. 1.21 and other phone calls should be deleted quickly. Don't even try to muddle through with a trumpet. It's suitable to tell you that it won't work without adequate preparation.

2, ID card

ID card photos must be clear. Never take photos with ID cards in the backlight. If you have glasses, take photos without them. Take photos in the office or a place like an office. Don't just look for a white wall and shoot.

3. Sesame points

Sesame points will become more and more important in the future online loan operation. If you have nothing to do, you can deposit some money in Alipay, make a donation or

manage money, open an online shop and so on. In short, try to improve your sesame points as much as possible and update your sesame points on the 6th of each month. You can have a look.

4. Credit card bill mailbox

Keep the bill complete, and call to make up the bill if the bill is incomplete. Delete spam, delete overdue bills, and present you as perfectly as possible. Keep the bill consistent, and keep the bill of which credit card is submitted.

5. The account of the shopping platform

is deleted, such as virtual transaction and game recharge. Just keep a commonly used delivery address, and the delivery phone number should be the same as the phone number applied for registration by the online lending platform

6. Just fill in the contact person

truthfully. Don't be ridiculous. If you want to improve the payment rate, just write your immediate family member or the other half. There is no problem

7. Credit information

.