1, happy pudding
New product, second trial, second batch.
Credit request: Not required.
Line: 1000-5000
Duration: 12-24
Audit method: manual audit
Lending speed: same day
2. Treasure in the palm of your hand
Extraction code: wckd
Line: 1000-5000
Credit request: Not required.
Lending speed: same day
3. China UnionPay Express Pass
Newcomers registered in China UnionPay Express can get a red envelope of up to 20 19.
Application Guide: Remarks: 1. Only new users who are not registered in UnionPay and China UnionPay Express can be considered as new users. You must ensure that there is more than 1 yuan in the bank card. 2. Enter the mobile phone number, log in and choose to register a new user.
Audit method: manual audit
4. Timely fruit ID loan
Review of the whole plane, second arrival
Credit request: No.
Lending speed: same day
Audit method: computer audit
Quota: 5000-8000
Duration: 3 6 12 24
5. Monetary loans
Convenient application, high quota and fast loan.
Special line: 4000- 15000
Lending speed: 10 minute
Duration: 3~ 12.
Application strategy: 1.20-55 years old, with good credit. 2. My mobile phone in real-name registration system has been used for more than 6 months.
6. Longteng White Card
Seconds, seconds, seconds, seconds.
Duration: 12-24
Application guide: no need to measure, pay more attention. Don't apply in the early stage.
Lending speed: same day
Credit request: Not required.
Audit method: manual audit
Quota: 5000
7. Jin Ku
Pure credit, fast arrival, high quota and low interest rate.
Duration: 7-28 days
Credit Request: None
Lending speed: 5 minutes
Audit method: computer audit
Line:1000-8,000 yuan
After loans overdue, there will be the following consequences:
1. has incurred penalty interest and liquidated damages.
After loans overdue, the first thing is to generate overdue penalty interest.
Alipay overdue penalty interest requirements:
Increase the interest by 1.5 times on the basis of the original interest. Overdue interest = overdue amount * overdue days * interest * 1.5. The longer the overdue period, the higher the interest charged. So it's best to pay it off as soon as possible after the deadline.
If the payment is overdue for more than 3 months and the amount exceeds 1 000, Alipay will sue the borrower to the court, not only to pay back the money, but also to bear legal responsibilities.
2. Personal credit is damaged
Before Alipay, only some users borrowed money for credit investigation, but the flower garden was not used for credit investigation. After Hua Bai's overdue loan, the Sesame Credit Branch was greatly reduced, which had little impact on personal credit information.
After accessing the central bank's credit information, the flower garden is overdue again, and Alipay will upload the overdue behavior to the central bank's credit information system, and the overdue record will be reflected in the personal credit information report.
The new version of the credit information update all adopts the mode of T+ 1, which means that once it is judged to be overdue, the credit information center will update the overdue records in the credit information report the next day.
Overdue online loans will lead to poor credit reporting, which is a proof of personal credit and can be regarded as a person's "economic identity card". When the credit information is bad to a certain extent, it will also bring many adverse effects to our daily life:
3, affect personal travel
If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will make it impossible for borrowers to fly and stay in star-rated hotels.
4. Affect employment
Some companies will conduct background checks on employees before joining the company. If they find a bad credit record, they may think that this person has integrity problems and refuse to let him work.
5. Affect children's education and daily life.
If parents are included in the list of untrustworthy people, some schools that need political examination may fail to pass the qualification examination of their children, which will more seriously affect joining the army, entering military schools, taking civil servants, institutions and state-owned enterprises.