51 How about a credit card loan? Is it reliable?

not good, not reliable. On October 21, 51, the information about the sudden police investigation of credit card swept through the circle of friends. According to many insiders, this may be related to the improper access of user information by crawler programs, and it was confirmed by relevant banks.

In addition, it is reported that it was caused by casualties caused by violent collection. Although this news has not been confirmed, violent collection in the loan industry is a common occurrence. Many collection outsourcers often resort to unscrupulous means in the process of collection in order to share the benefits of collection.

Subsequently, Sun Haitao, the founder of 51 Credit Card, issued a statement and apologized in Weibo, stating that due to improper management and lack of supervision, the outsourced cooperative company had some excessive behaviors in communication with borrowers. This also indirectly confirms that it is indeed because of violent collection.

because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending, and there is no law to follow when encountering problems. Although with the prevalence of online lending, the relevant laws and regulations will become more and more perfect, but we should be cautious.

why did the 51 credit card, whose p>P2P fund proportion keeps dropping, suddenly be investigated by the police?

according to industry speculation, there are probably two possibilities, one is violent collection, and the other is that the data crawler business illegally obtains user information. With big data risk control, the transformation of "helping loans" has achieved remarkable results. On July 13th, 218, 51 Credit Card was listed on the Hong Kong Stock Exchange in the context of the continuous deepening of P2P online loan risk rectification.

before the listing of 51 credit card, 51 credit card was favored by venture capital institutions. Judging from its financing history, in November, 212, 51 Credit Card received angel round financing led by Huaying Capital; In 213, it was financed by Huaying Capital, SIG and Qingliu Capital. In 214, the financing led by JD.COM and Xiaomi was completed; Complete the financing of the new lake treasure investment in 215; In 216, financing led by the new lake treasure and Tiantu Investment was completed.

According to the performance report of 51 Credit Card in the first half of 219, in the first half of this year, 51 Credit Card achieved revenue of RMB 1.4 billion, an increase of 9.8% over the same period of last year; The adjusted net profit was RMB 39 million, a year-on-year increase of 12.9%.

the main operator of 51 credit card is Hangzhou enniu network technology co., ltd. at the beginning, it mainly focused on the credit card bill management software "51 Credit Card Manager", and then launched products such as "51 Personality", "51 Personality Loan" and "Flowers for You", covering personal credit management services, credit card technology services, online credit matching and investment services.

to sum up the business model of 51 credit cards in one sentence, it is to acquire customers by credit card management tools and realize them. The way to realize it is to match loans, and lend funds from P2P and licensed financial institutions to credit card users and other customers. According to the data disclosed by official website, the online lending company with 51 credit cards as its personality had brokered 1.35 billion yuan in September, and the current lending users of the platform in September were 29,.

the accumulated loan balance is 1.7 billion yuan. The overdue rate of 51 personal loans for more than 9 days was 3.46%, showing a rising trend month by month. The cumulative number of credit cards under management reached 138.7 million, an increase of 16.9% over the same period last year. According to its semi-annual report, 51 Credit Card claims to have reached cooperative partnerships with more than 1 banks, consumer finance companies, trust companies and other financial institutions.

at the end of last year, after the relevant departments set the principle of withdrawal-oriented rectification, domestic P2P online lending institutions accelerated the transformation to "loan-assisting" institutions. The "mystery" of the rapid increase in the proportion of institutional funds lies in big data risk control. Credit card pointed out in the semi-annual report that its business is based on unique big data and independent risk control system.

summary; Regarding the investigation of the 51 credit card, a letter circulated on the Internet from a bank showed that "through our technical monitoring, it was found that your company crawled our information through a crawler program, but we did not sign the relevant written authorization, consent or acquiescence that your company obtained personal information from our system and business process.

is Bohai bank's 51 credit card reliable?

51 credit card is more reliable. 51 credit card belongs to a third-party platform, and the personal data provided by users are submitted to the bank instead of the 51 credit card, so that the information security of users is more secure. On the other hand, 51 Credit Card only supports applying for 2 credit cards from prime bank, and users don't have to worry about the source of credit cards.

and 51 credit card is just one of the channels for handling credit cards, which is the same as users applying for credit cards through WeChat and Alipay.

51 Bohai Credit Card is not a loan card, but a joint-name credit card issued by Bohai Bank, which has financial functions such as credit consumption, cash advance, overpayment recovery, etc. The interest-free period is up to 54 days, and there is no need to bear additional expenses for full repayment on the repayment date of overdraft consumption.

However, 51 Bohai Credit Card holders need to bear certain interest if they borrow cash in advance or apply for credit card loans. The specific interest rate standard is subject to the bank's audit results.

51 The credit card was investigated. Why is it said that it was caused by online lending?

Because 51 personal loans are online loan products, it is precisely because of this that this kind of credit card has been investigated. I don't know if you have paid attention to the news in the last two days. According to authoritative media reports, the only credit card that has been listed before was suddenly checked by the government, and it was affected. The stock price has plummeted by about 3%. Many people around me hold May Day credit cards. This credit card is actually quite convenient. Why was the company suddenly investigated?

In fact, in the final analysis, it is because of online loans. Although the May Day credit card has solved many problems, for example, it is convenient for credit card holders to manage multiple credit cards separately, to be honest, 51 personal loans do belong to online loan products. 51 Credit card is not just a product of May 1st housekeeper. If you browse this APP frequently, you will know that there are footprints and personal loans. The so-called personal loans are actually the same as other online loans. Now the country is very strict about this kind of online loan, so it is no wonder that we will suddenly check this 51 credit card.

In the past, 51 credit cards attracted a lot of people's attention. People who have already worked in the society should know that it is very difficult to apply for credit cards of the four major banks, and it is necessary to check a lot of credit information and other businesses. Moreover, the amount of credit cards after opening is very low, but everyone wants to have credit cards of the four major banks. If you are short of money recently, you will apply for another credit card. The 51 credit card is very simple when applying, but if you use a personal loan, you will know that this thing is the same as an online loan.

if this credit card does not involve online loans, it will certainly not bring potential harm to consumers, and this situation will not occur today.

51 How deep is the credit card pit when it is checked?

This time, 51 credit cards have been checked. Nowadays, there are many people who borrow money in cash. Credit card companies generally outsource this collection collection collection business collectively, so some contractors will use various means to urge repayment for the benefit, and some people will commit suicide because they can't stand this pressure.

Many police cars stopped under the Wuyi Credit Card Building before, and many policemen came. About the investigation of Wuyi Credit Card, the insider revealed that it was mainly aimed at the cash loan business of Wuyi Credit Card, because it involved the collection of personal information involved in the collection of money, and there was also the suspicion of violent collection of money. At present, the May Day credit card has been at the forefront. Some people say that the May Day credit card pretends to be a state organ to intimidate cash borrowers and urge them to repay their debts. Now this news has caused a great sensation. If the May Day credit card cannot solve this problem well, it may have a great impact on their future.

Many people are using the 51 credit card. For the Duoka people, the May Day credit card is very easy to use. Therefore, it is not a good phenomenon for investors or practitioners to see this happening with the May Day credit card. They don't want this platform to have an accident. The main reason for this incident is that the May Day credit card violently urges people to collect money, but we don't know which business it is. This kind of thing is likely to happen.

In fact, it's not a matter of a day or two to urge the loan industry to collect money from windfall profits. When it comes to May Day credit card collection outsourcing, some outsourcers, driven by interests, will choose some unscrupulous methods to make borrowers pay back the money quickly. In this case, some borrowers can't bear this pressure and choose to commit suicide.

the introduction of 51 credit card venture capital and 51 credit card app download is over. I wonder if you found the information you need from it?