1, Personal experience of repayment: Is the repayment platform reliable? It needs to be analyzed from these aspects. It is a credit card billing installment APP, which can repay credit cards, but many people don't know that this platform is unreliable. Let me help you analyze it next.
Is the platform reliable?
(1) company information
The developer of Huanbai is Chongqing Focus Microfinance Co., Ltd., a licensed financial institution under Focus Media, a listed company. Moreover, there are many loan platforms on the market, but not many have licenses. Since Huanbai is a product of a licensed financial institution, it will also be supervised by the regulatory authorities in daily operations, so the company level is still relatively reliable.
(ii) Costs
Mainly credit card installment, the installment fee will be lower than that of bank credit card installment, so it also conforms to national regulations and is quite reliable in handling fee.
(III) Operation team
The repayment team members are all from China Merchants Bank Credit Card Center, so they have very professional practical experience in risk management, product operation and background technical maintenance of the whole business, so the operation team is more reliable.
(4) User information
At present, user feedback is not bad, and some users also think that it can save a lot of money, so the user situation is more reliable.
Nowadays, the demand for consumer credit among young people is very high. In the process of consumption, it is easy to lead consumption and lack a more rational consumption concept. Some young people are easily deceived by information similar to usury released by various informal platforms and lack the ability to identify information. Here, I suggest that friends need to establish a good consumption concept, rationally consume according to their actual needs, and try to choose a formal platform. This is all about the refund. I hope it helps you.
I want to go back to 80 yuan, but I owe 57,000 yuan! Huanren police emergency stop loss Recently, the Beidianzi police station of Huanren County Public Security Bureau successfully stopped a typical fraud case of refund rebate telecom network, which directly avoided the people in the jurisdiction being cheated by 57,000 yuan.
On March 3, 2022, around 1 1, the Beidianzi police station received an alarm call. On the phone, Zhang, a citizen of the jurisdiction, panicked and said that he might encounter telecom fraud and wanted the police station to help. After receiving the police, the police on duty quickly went to the police and kept in touch with Zhang by mobile phone, telling him not to act rashly before the police arrived.
It turned out that Zhang recently bought cosmetics online, and his skin had an allergic reaction during use, so he applied for a refund on the shopping platform. Later, I received a strange phone call claiming to be customer service, telling Zhang that due to product quality problems, I wanted double indemnity, but I needed to use the Alipay imprest channel to refund the compensation.
Zhang opened the Alipay reserve fund according to the other party's prompt, and then transferred 380 yuan to his account. Then the customer service said that the refund amount was wrong, and Zhang was required to return the overcharged 80 yuan money in the form of "refund".
I believe that Zhang downloaded the "return" app according to the strange link sent by the other party, but just after logging in, the software showed that the arrears were 57,000 yuan. Zhang immediately contacted the customer service, and the other party said that the amount shown above was Zhang's own loan, and the overcharged 80 yuan money could only be returned to the customer service if it was fully paid off. If the repayment is not made in time, it will affect the credit investigation.
Zhang suddenly broke out in a cold sweat and suddenly thought that the police station of the police station had carried out anti-fraud propaganda many times. This situation is very similar to that in the leaflet. Zhang, who was deeply embarrassed by the huge amount of "arrears" for no reason, immediately asked the police for help.
The police and Liu Wei found that the other party asked Zhang to download the software by sending a strange link, and Zhang owed money without any operation. This is the telecom fraud of refund and rebate. After listening to the detailed analysis of the police, Zhang's doubts were completely eliminated, saying that he would never transfer money to the software, and he was deeply grateful to the police for patiently answering to avoid the loss of his property.