Is it reliable to borrow money from Pu Donghua?

Not reliable. I used to ask you to run a pos machine and spend money to brush the running water. When you finish painting for a few days, I will ignore you and go to him. He said the day after tomorrow was not approved. Don't trust this unsecured lending platform.

Nowadays, many microfinance institutions say that they can borrow as long as they have ID cards, but in fact there are many scams.

First, there are actually two situations. One is that some swindlers of small loans say that they can repay as long as they have ID cards, and nothing else is needed. They should be careful in this situation. After getting your ID cards, they may ask you to pay, and if you don't pay, you will be threatened to disclose your ID card information. The other is the advertising language of the microfinance company, which only needs the ID card for publicity, but in fact, it needs to provide income proof, work proof or credit report when lending. This kind of loan is formal and can be done.

Second, the interest is much lower than the general interest. For example, the "_ loan" that had caused a lot of noise before was the usury of female college students borrowing money, and the weekly interest rate was as high as 30%. And this kind of usury is usually accompanied by violent collection. Once hooked, it is difficult to get out of this vicious circle. When you meet a financial institution that claims that the interest rate is lower than that of the bank, you must remember this passage. There is no pie in the world, and most scams start with greed. At the same time, when signing a loan contract, we must have a basic concept of usury.

Third, let the money be repaid first and the loan be collected first. Under normal circumstances, the formal online lending platform will not charge any fees before the loan is issued, and the fees such as handling fees and management fees that need to be charged will be clearly marked in the agreement, so that the parties can clearly know that the fees will be charged after the loan is issued successfully. Including major banks to apply for credit cards, no fees will be charged before the card is approved, and relevant fees will be deducted only after the card is approved and activated for normal use. Those who are clamoring for help with loans and credit cards everywhere, the money for loans has not gone, and the credit cards have not been obtained, so let them return them first, 99% are liars!

Fourth, sell "forced opening technology". I believe many people have met people who sell "forced driving technology". What kind of "ants borrow money to force it to open, charge 800, and package out more than 20,000 quotas" and so on. No matter how many tricks are changed, there is only one purpose, and that is to make you pay the price. When paying money, I will pretend to send you a set of so-called "tutorials" to defraud your trust. After using it, I found that it still doesn't work. People just blacked you out, and then you couldn't get in touch. Whether it is micro-loan, ant borrowing or ant flower garden, the current invitation system is adopted, and no one can force it without official invitation.

5. Trojan horse program steals bank card information. This kind of scam is relatively hidden. Generally, scammers set up a game to send pre-programmed loan information in the form of SMS, QQ message and WeChat. After the borrower takes the bait, the scammer sends the Trojan installation package, and the borrower obediently submits his bank card number, password and other important information as required, and the balance in the bank card is all transferred away. Don't trust the information sent by any private or informal lending institutions, and don't enter your ID number, bank card number and password on untrusted websites.