1. At first, I saw the platform of "helping to save money" on the 360 loan platform. At first I thought it was a loan platform. Finally, it was found to be an advertising platform, and all kinds of loan platforms I promoted were not audited. The loan app on this platform is advertised as low interest and quick review. If you just need funds, you will definitely be attracted and cheated by an app called "Little Win Card Loan" here.
In fact, this is already a very high interest rate. I filled in the information to see what the interest rate is. As a result, I was given a limit of 9000 yuan. When I saw that the interest rate was quite high, I stopped paying attention. As a result, their customer service called one after another to say that I had a loan that could only be used at five o'clock in the afternoon, and asked me to return it quickly. Because the amount is not too high, I didn't pay much attention to the annualized rate when I applied, and the result was this repayment amount.
3. If you borrow 9000 yuan, you have to pay back 12234.25438+0 yuan, with an annualized rate of 6 1%. Call them angrily and argue with them. It is said that their interest rate is too high to meet the national requirements. I want to cancel the loan contract, but they are arrogant and refuse to cancel it. They have been wandering around the internet for so long that they really can't stand such deception. I think we should share this experience to let everyone know the true face of "small win card loan", and also advise everyone to really stay away from online lending and work hard. Now I regret it. Although I had a hard time at first, I don't have to worry about others urging money. Now I'm thin. If I could choose again, I wouldn't even use a credit card or take out a loan to buy a house. I want to be light and debt-free, but there is no experience of regret medicine worthy of criticism in the world. I swear on my personality that everything I said is true. If necessary, I can report it under my real name. I sincerely hope that everyone in the world will never be hurt again. I also hope that many people can see the bloody experience of being cheated. I dare not ask anyone to help me, but I still hope everyone can live a comfortable life.
4. According to Article 26 of "Fa Shi [20 15] 18", the principal (based on the amount actually received, deducting the interest, service fee, guarantee fee and insurance fee paid in the previous period) and interest (service fee, guarantee fee, insurance fee and other fees) can be regarded as interest, which is 24% in a year. According to Article 31 of the Law Interpretation [20 15]No. 18, the debtor can claim back the overpayment (through negotiation, mediation and litigation); If there are illegal and criminal factors such as routine lending and illegal lending on the loan platform, I think it can be ignored if only the principal, interest and other expenses are calculated.