According to netizens, micro-credit loans will query credit records without borrowing, and the resulting credit records may affect users' application for other loans.
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
"Micro-loan" products are positioned as Internet micro-credit products, with loan amount below 200,000 and loan interest rate lower than that of general credit cards.
"Micro-loan" is the first batch of customer-oriented users who are most suitable for "micro-loan" through the "white list" mechanism, mainly in Weizhong and Tencent. Next, Weizhong Bank will launch QQ wallet and WeChat wallet.
Users only need to bind the bank card and click "borrow money" with one click. The system will judge the personal credit situation within a few seconds and give a certain amount. Users can complete the loan online without any collateral and fill in the information according to the corresponding prompts.
Users only need to click "borrow money" at the "wallet" entrance of QQ and WeChat, and the system will judge the personal credit situation within a few seconds, and give the loan amount ranging from 500 yuan to 200,000 yuan. Users can complete the loan within 3 minutes without any collateral and fill in the information according to the corresponding prompts. After borrowing money, you can settle it in advance at any time, with daily interest.
Micro-loan has realized online operation, without face-to-face signing, and has realized 7×24 hours uninterrupted service. The main service targets of microfinance are individuals and self-employed individuals. By the end of 20 17, there were over1300,000 active credit customers and over10/0,000,000 accumulated loan customers, with an average loan of only 8,200 yuan, covering 3/kloc-0 provinces, autonomous regions and municipalities and 567 cities in China.
In addition to personal credit information, social data also accounts for a very important part in our scoring system. Whether it's' micro-loan' on WeChat or mobile phone Q, users' data in the whole Tencent system products will be fully referenced when granting credit, with emphasis on social data of these two platforms. However, in different channels, the criteria for judging the quota will be focused.
For example, the' micro-loan' on hand Q will refer more to the activity of hand Q when setting the credit line for users; The' micro-loan' on WeChat will refer more to the activity of WeChat.