There will be no consequences if you pay it back
(1) Go to the credit report. As a formal financial institution, Huanbei has been connected to the central bank’s credit reporting system.
Huanbei’s system will report overdue records to the central bank’s credit information system, leaving a stain on the personal credit information of overdue persons.
The credit report deeply affects a person's various financial activities in the future. A stain on the credit report means that the person will have difficulty applying for a loan again, which will bring great consequences to his life. trouble.
(2) Collect fines. The penalty for repayment is divided into liquidated damages and penalty interest. The penalty for repayment is 5% of the loan amount, and the penalty interest for repayment will be calculated based on a daily interest rate of 0.1.
If there is overdue behavior, the overdue person will need to pay a large additional fine, causing economic losses to himself.
(3) Collection collection. In order to recover loans, Huanbei will send staff to collect debts from overdue borrowers.
The staff will continue to call the overdue person’s phone number or send text messages to the overdue person’s mobile phone to urge the overdue person to repay the loan as soon as possible.
At the same time, staff may also disclose overdue information to relatives and friends of overdue persons, and the reputation of overdue persons may be affected.
(4) Quilt. If the staff’s collection efforts are unable to recover the loan, Huanbei may use legal tools to protect its legitimate rights and interests and file legal proceedings against overdue borrowers.
If the overdue person loses the lawsuit, Huanbei can apply for enforcement and use the overdue person’s property to pay off the loan.
Extended information:
Huanbei is a credit card bill installment APP, jointly operated by licensed financial institutions Chongqing Focus Company and Shanghai Shuhe, serving the majority of credit card holders.
Software name: Huanbei
Developer: Chongqing Focus Co., Ltd.
Software language: Simplified Chinese
Software platform: iosandroid
How to use
If you don’t want to accept the credit card installment fees and interest, borrow money through repayment. After borrowing, you can pay off the credit card bill through low-interest installment mode. After that, you will recharge and repay the loan every month. If the repayment is timely, it will greatly promote your personal credit. It will be very convenient when you apply for a loan next time.
Operation Team
The staff of Huanbei’s team all come from China Merchants Bank Credit Card Center, so they are responsible for risk management in the entire business, as well as for Huanbei’s products. We have very professional practical experience in operations and backend technical maintenance.
CEO Xu Zhigang
Former person in charge of China Merchants Bank's core product "Pocket Life", former general manager of the Operation Department of China Merchants Bank's Credit Card Center, former general manager of the Innovation Business Center of China Merchants Bank's Credit Card Center, new A pioneer in the design of financial mobile products and an advocate of the open architecture concept of banks.
Zhao Jinran is a senior financial practitioner
Former head of China Merchants Bank Credit Card Regional Alliance, former head of China Merchants Bank Credit Card Regional Market Business
Engaged in financial products for more than 10 years design, marketing and management work.
Ye Zhengzong Data Scientist
Senior Data Analyst at CapitalOne in the United States, Deputy General Manager of Risk Management Department of China Merchants Bank Credit Card Center,
Founder of China Merchants Bank Credit Card Data Analysis Center people.
Security risk control
In terms of risk management, it mainly uses the combination of data, technology and finance to score users in the form of "rule scorecards". Machine learning is used to improve the data model. In addition to the existing risk control capabilities, we can also implement the "flash loan" of "filling in information-automated scoring-immediate disbursement", which requires higher risk control capabilities in Internet finance.
The risk control person in charge of "Huanbei" also came from capitalOne in the United States in the early days and also had ten years of working experience in China Merchants Bank. The team’s main risk control technology also comes from China Merchants Bank Credit Card Center.
Huanbei hopes to polish the risk control model and optimize risk control through long-term data testing and data accumulation.
The "China Merchants Bank" jointly launched by JD Digital and China Merchants Bank is under intense preparation
China Finance News on November 8, recently, some media reported that from people familiar with the matter The Office was informed that "China Merchants Bank", a direct-sale bank jointly established by China Merchants Bank and JD Digital, is making intensive preparations and is waiting for the issuance of a bank license.
Tianyancha data shows that Shanghai Zhaodong Information Technology Co., Ltd. was established in August 2018 with a registered capital of 80 million yuan, and its legal representative is Liu Jialong, general manager of China Merchants Bank Credit Card Center. The company’s supervisor is Li Shangrong, the former vice president of JD Digital and head of the enterprise service group.
The company’s major shareholder is CMB Technology Holdings (Shenzhen) Co., Ltd., with a shareholding ratio of 70% and a subscribed capital contribution of 56 million yuan. Suqian Xindongteng Business Service Co., Ltd. is the company's second largest shareholder, with a shareholding ratio of 30% and a subscribed capital contribution of 24 million yuan. The company’s suspected actual controller is CMB International Financial Holdings Co., Ltd.
CMB Technology Holdings (Shenzhen) Co., Ltd. is wholly-owned by CMB Qianhai Holdings (Shenzhen) Co., Ltd., which is a wholly-owned subsidiary of CMB International Financial Holdings Co., Ltd. Suqian Xindongteng Business Service Co., Ltd. is wholly owned by JD Digital Technology Holdings Co., Ltd. (formerly known as Beijing JD Financial Technology Holdings Co., Ltd.).
Is Huanbei a regular loan platform? Many reviews say the fees are unreasonable?
Yes; Huanbei is a credit card bill installment APP that serves the majority of credit card holders and helps users solve credit card problems. Huanbei APP entered the market in June 2016 and is jointly operated by Shuhe Technology and Focus Small Loans.
Huanbei has functions such as bill installment, installment mall, and life discovery. In terms of risk management, it mainly uses the combination of data, technology and finance to score users in the form of "rule scorecards" and improves the data model through machine learning.
1. Main functions
Repay the card: borrow money directly into the user's credit card. High limit: up to 30,000 credit limit
Fast speed: borrow 3 Arrive in minutes
Consumption first and repay later: the consumption limit can also be paid in installments
2. How to use
Huanbei does not want to accept the credit card installment fee And interest, you can borrow money by repaying it. After borrowing, you can pay off the credit card bill through low-interest installment mode, and then recharge it every month. If the repayment is timely, it will have a great impact on your personal credit. The promotion effect will be very convenient when you apply for a loan next time.
3. Operations Team
The staff of Huanbei’s team all come from the China Merchants Bank Credit Card Center, so the risk management of the entire business, as well as the Huanbei We have very professional practical experience in product operation and backend technical maintenance.
1. CEO Xu Zhigang
Former person in charge of China Merchants Bank’s core product “Pocket Life”, former general manager of China Merchants Bank Credit Card Center Operations Department, former general manager of China Merchants Bank Credit Card Center Innovation Business Center , a pioneer in the design of a new generation of financial mobile products and an advocate of the open architecture concept of banks.
2. Zhao Jinran is a senior financial practitioner
Former head of China Merchants Bank Credit Card Regional Alliance, former head of China Merchants Bank Credit Card Regional Market Business, engaged in financial product design, marketing, management work.
3. Data scientist Ye Zhengzong
Senior data analyst at CapitalOne in the United States, deputy general manager of the Risk Management Department of China Merchants Bank Credit Card Center, and founder of China Merchants Bank Credit Card Data Analysis Center.
(Also bei Apple 12, ios14, and also bei version 5.3)
What are the salaries of credit card promoters at China Merchants Bank Credit Card Center?
It’s very hard. I go out very early in the morning and go back very late at night. I basically stay at home no more than 8 hours a day. The rest of the time is spent at the company or on the way to apply for a card. Many people can’t bear it and leave within a month. There is a lot of liquidity here. A group of people are recruited and left, and only a small number of sales elites remain. Those people can earn more than 10,000 yuan a month. When you first join, you will get good results if you get promotions. Don't expect too much. Newcomers grow up step by step. The competition is very stressful and requires a strong ability to resist setbacks. They often work overtime on weekends in order to complete tasks. If you can endure hardship and perseverance, you can give it a try. Easier said than done. This job may make you poor when you first start. It will cost a lot of money, such as public transportation and phone bills. It is best to prepare for two months of expenses, because the first two The money you get every month will be pitiful! There is little room for development. Some people have been working as sales representatives for 5 or 6 years without promotion. If they can stay for one year, they are considered top-notch! In the later stage, if you can persist, improve your sales skills, and improve your performance, you can still make money. The one who remains is king here. When you are as tired as a dog and can't make any money, you will have doubts about this job. If you break through yourself, can persevere, and your performance is still at the top, that's good! There are also inspiring stories, from sales representative to director, to manager, in the fastest 6 years. There is a lot of pressure in the early stage, and the director will look down on you if your performance is poor. To do this, you must be able to withstand rejection from customers and blows from superiors. If you break through, you will succeed.
Answer from a five-year veteran employee. The average monthly income is at least 8,500 after tax. The payment base for five insurances and one housing fund is high, and the provident fund is basically enough to repay the mortgage.
College students who have just graduated can go and exercise. At least I can have savings in Beijing.
What’s the customer service phone number? Is there any manual service?
Huanbei’s manual customer service phone number is: 4009902525. You can also send an email to the official email address: service@lattebank.com.
Huanbei APP is provided with technical support and product operation by Shuhe Technology. It is an installment service platform based on multiple scenarios of life consumption. It provides a variety of services such as bill installment and commodity installment for young people. Users can enjoy more flexible, convenient and efficient installment life services in shopping, consumption and repayment scenarios.
Extended information:
Huanbei operation team:
The staff of Huanbei’s team all come from China Merchants Bank Credit Card Center, so throughout the He has very professional practical experience in business risk management, as well as in product operation and backend technical maintenance of Huanbei.
CEO Xu Zhigang: former person in charge of China Merchants Bank’s core product “Pocket Life”, former general manager of China Merchants Bank Credit Card Center Operations Department, former general manager of China Merchants Bank Credit Card Center Innovation Business Center, designer and pioneer of new generation financial mobile products He is an advocate of the concept of open architecture in banks.
Zhao Jinran: Senior financial practitioner, former head of China Merchants Bank Credit Card Regional Alliance, former head of China Merchants Bank Credit Card Regional Market Business, has been engaged in the design, marketing, and management of financial products for more than 10 years.
Ye Zhengzong: data scientist, senior data analyst at CapitalOne in the United States, deputy general manager of the Risk Management Department of China Merchants Bank Credit Card Center, and founder of China Merchants Bank Credit Card Data Analysis Center.
Huanbei official website
This ends the introduction of the general manager of China Merchants Credit Card and the general manager of China Merchants Bank Card Center. Did you find the information you need?