Why do online loans require credit card, bank card and mobile phone binding? Real-name authentication is still required for mobile phones.
The way to register a Chinese account without a credit card is as follows. Learn to register it yourself. Once you learn, you no longer need to ask for help. 1. You need to have your own email address, which will be your account (APPLEID) after registration; 2. Download iTunes and install it on your computer, run iTunes, and set the region to China; 3. Click iTunes Stores and find a free store on the left interface application, click to enter; after entering, click "Purchase" in the upper left corner 4. Click "Free Applications" in the interface--click "Create New Account"--click "Continue"--check "I have read and Agree to the above terms and conditions", and then click "Continue"; 5. Enter your email address, password, password question and answer, birthday (age must be over 18 years old) and other information, and click "Continue"; 6. A message will appear at the top of the interface Payment card options (VISA, MASTER, EXPRESS and None), if you do not want to purchase a paid program, select "None", then complete the following information (address, phone number, etc.), click "Continue" after completion 7. Apple will send a A confirmation letter will be sent to your email. Just click on the link in your email to activate. You must pay attention to the third step: find a free program and click "Buy", the key is to buy! In this way, the option "None" will appear later. Thank you, please adopt why Lishu needs to authenticate credit cards
Payment companies need risk control. In the past few years, when T+1 arrived, you only needed to submit your ID card and savings card to activate and use it. But now it is the era of T+0 seconds. One card, one machine, and one swipe can transfer funds. You can get a debit card in seconds, but in addition to fast payment, T+0 also provides convenience to many fraudsters. When T+0 first appeared, the risk control technology of payment companies was not particularly good. Credit cards were prone to theft and chargebacks, which caused heavy losses to both agents and payment companies. Therefore, the step of authenticating credit card information came into being. born.
Solutions to problems with stand-alone authentication
1. Real-name authentication fails: If the real-name authentication fails, our company will send a text message with the reason for the failure to your mobile phone number registered for authentication. Here, please pay attention to check. If your phone has information interception software, you can search and view it in the SMS interception software.
2. Credit card authentication: You can directly complete bank card authentication by swiping your card, and the system will automatically authenticate.
3. When swiping the card to report cardholder authentication failure, the response code 05:05 is the transaction code returned by UnionPay, indicating that cardholder authentication failed. Please change the card for the transaction.
4. What are the restrictions on instant authentication credit cards? How many can be authenticated at most? The credit card can only be authenticated after the real-name authentication is passed. It can only authenticate credit cards in my own name, and you can authenticate as many as you want;
A type of bank card is actually a type of settlement account, with comprehensive functions. There are no restrictions on the scope of application, usage amount and account balance.
Class II bank cards, as the name suggests, are Class II settlement accounts. Class II bank cards are generally convenient financial accounts. Through Class II bank cards, you can make investments, transfers, consumption, etc., but Class II banks There is a limit on the card. If a Class II bank card transfers money to an unbound account, the daily transfer limit is 10,000 yuan and the annual transfer limit is 200,000 yuan.
In addition, there is a third-category bank card, which is a virtual card. The daily cumulative transaction amount is capped at 5,000 yuan, the annual cumulative limit is 200,000 yuan, and the card balance must not exceed 1,000 yuan. Can online loans be paid with credit cards?
No.
Because the payment method usually used for online loans is Alipay, but Alipay does not support credit card recharge. Therefore, online loans cannot be paid with credit cards.
In the past, online loans required a fee of 5 yuan for real-name authentication. Because online loans required real-name authentication, online loans needed to pay a certain fee to the identity network. In order to better facilitate users, online loans now If you have already spent the cost of identity authentication, if you recharge more than 1 cent, you can get free real-name authentication.
After online banking or Alipay prompts that the payment is successful, you will automatically jump to the online loan page so that the recharge amount can be transferred to your online loan account.
Online loans are recharged through Alipay. Because Alipay does not allow credit card recharge, you cannot recharge online loans with credit cards.
In order to avoid malicious tx
, most p2p platforms now cannot recharge with credit cards.
If you have a way to transfer the money from your credit card to a debit card, you will naturally have a way to recharge it into an online loan, but the various handling fees and your online loan You need to calculate the interest clearly so that you don't end up losing money.
Everyone wants to use credit card to recharge p2p. In addition to convenience, more people may do it for financial management.
But different people are suitable for different ways of managing money. That method has been banned by the state. Credit card financing is still possible, and your personal credit record is good, which is good for you to get a loan from a bank. There is no need to choose the online loan model. After all, the traditional banking model is absolutely safe. Now why does an online loan require a credit card to be authenticated to have a limit? Can’t get a loan of more than 10,000 without a credit card?
It depends on the individual’s qualifications. The better the qualifications, the easier it is to apply. You can apply now, and it usually takes 1-5 working days without collateral.
Unsecured loan information:
Provide personal identity information, including ID card, residence permit, household register, marriage certificate and other information;
Provide a stable address , house rental contracts, water and electricity payment bills, property management and other related information;
Provide stable sources of income, bank statements, labor contracts, etc.