Currently, user feedback on Huanbei is quite good, and some users also feel that using Huanbei can save a lot of money, so the user situation is relatively reliable. 1. Real experience with Huanbei borrowing money: Is Huanbei borrowing platform reliable?
Huanbei is a credit card bill installment app that can repay credit cards on your behalf, but many people don’t know that this platform is reliable. It’s unreliable, so I’ll help you analyze it next.
Is the Huanbei platform reliable?
(1) Company situation
The developer of Huanbei is Chongqing Focus Small Loan Co., Ltd., a listed company The company is a licensed financial institution under Focus Media, and there are many loan platforms on the market, but not many are licensed. Since Huanbei is a product of a licensed financial institution, its daily operations will also be supervised by regulatory authorities, so the company The level is quite reliable.
(2) Charges
Huanbei mainly does credit card installments, and the installment fees will be lower than bank credit card installments, so it also complies with national regulations. In terms of charges, It's pretty reliable.
(3) Operation Team
The staff of the Huanbei team all come from China Merchants Bank Credit Card Center, so the risk management of the entire business, as well as the Huanbei team We have very professional practical experience in product operation and backend technical maintenance, so the operation team is also reliable.
(4) User situation
Currently, users’ feedback on Huanbei is quite good, and some users also feel that they can save a lot of money by using Huanbei, so the user situation is also It's relatively reliable.
Nowadays, young people have a very high demand for consumer credit. They are prone to excessive consumption during the consumption process and lack a more rational consumption concept. Moreover, some young people are susceptible to various similar policies released by various informal platforms. Being deceived by information about loan sharks and lacking the ability to identify information, I hereby suggest that friends need to establish a good concept of consumption, consume rationally according to their actual needs, and try to choose regular platforms. The above is the entire content of Huabei. Hope it helps. 2. I want to refund 80 yuan, but I owe 57,000 yuan! Huanren policemen urgently stopped losses
Recently, the Beidianzi Police Station of the Huanren County Public Security Bureau successfully stopped a typical telecom network fraud case involving refunds and rebates, directly preventing people in the jurisdiction from being defrauded out of 57,000 yuan.
At around 11:00 on March 13, 2022, the Beidianzi Police Station received an alarm call. On the call, Zhang, a resident of the area, spoke in a panic, saying that he might have encountered telecommunications fraud and wanted the police station to help. After receiving the alarm, the police officers on duty Shen Chen and Liu Shu quickly dispatched the police. At the same time, they kept in touch with Zhang on their mobile phones and told him not to perform any operations until the police arrived at the scene.
It turns out that Zhang recently purchased cosmetics online. Due to an allergic reaction on his skin during use, he applied for a return and refund on the shopping platform. Later, he received a strange call from someone claiming to be customer service, telling Zhang that due to quality problems with the product, he would pay double the compensation, but he needed to use the Alipay reserve channel to refund the compensation.
Zhang opened the Alipay reserve fund according to the other party's prompts, and then the other party transferred 380 yuan to his account. Immediately afterwards, the customer service said that the refund amount was wrong and Zhang needed to return the extra 80 yuan charged through "Repay".
Believing it was true, Zhang followed the unfamiliar link sent by the other party and downloaded the "Huanbei" app. However, as soon as he logged in and did not perform any operations, the software showed that he owed 57,000 yuan. Zhang immediately contacted customer service, and the other party said that the amount shown above was Zhang's personal loan, and he needed to repay it in full before the extra 80 yuan charged could be returned to customer service. Failure to repay in time would affect his credit report.
Zhang suddenly broke into a cold sweat and suddenly remembered that the police at the police station had carried out anti-fraud propaganda many times. This situation was very similar to the case on the leaflet. Because a huge amount of "arrears" arose for no reason, Zhang, who was deeply worried, immediately asked the police for help.
Police officers Shen Chen and Liu Shu analyzed and found that the other party asked Zhang to download the software by sending an unfamiliar link, and Zhang was in arrears without performing any operations. This is a case of refund and rebate. Telecom fraud. After hearing the police's detailed analysis, Zhang's doubts were completely eliminated, and he said that he would never transfer money to the software, and expressed his deep gratitude to the police for patiently answering questions and avoiding damage to his property.