1. Weixin Card Loan is a credit card repayment branch of Weixin Jinke, and Weixin Jinke is an Internet finance company listed in Hong Kong, so the strength of Weixin Card Loan is still very strong. Weixin Card Loan is a loan platform that you can apply for only by ID card, bank card and credit card. You don't need to provide much privacy information or provide mortgage and guarantee when you apply for a loan. At the same time, the borrowing cost of a platform also reflects the reliability of the platform. The monthly interest rate of Weixin Card Loan is not higher than 1.73%, which is within the annualized interest rate of usury stipulated by law of 24%. Judging from the feedback from the old friends who borrowed money, the collection method of Weixin Card Loan for overdue people is also in line with relevant regulations, and the fees are transparent.
2. Although Weixin Card Loan borrows money without looking at your personal credit information, if you don't pay off its debts on time, the credit will be recorded on the personal credit information platform. After the deadline, bad records will be recorded in the company's credit information system. Only when you don't pay it back within the time limit will it go to the credit bureau. At the same time, the credit card loan of Weixin Card can help users to repay their credit cards on their behalf, so as to avoid the influence of overdue repayment on credit information. Therefore, after borrowing its loan, they can choose to repay it in installments, and the interest is lower than that of credit cards.
3. Generally speaking, as long as the loan is repaid normally, it will not be credited, and if it is overdue, it will definitely be credited. Therefore, if you don't want to be credited, the best way is to repay it on time. Even if the loan is credited, it will be repaid on time, which will help to maintain personal credit.
1. As a pure online loan product under Weixin Financial Technology Group, credit card loan has been on the line for a long time, and it is a regular licensed loan, so you can apply with confidence. At present, the maximum amount of credit card loans can be 2, yuan, and the service cycle can be divided into 6-24 periods. Friends who are aged between 2 and 5 and have more than 6 credit card bills can apply for credit card loans through ID card, bank card, mobile phone real name, basic information, credit information and other information authentication in the Card Loan APP. After submitting the materials, most of them don't call back, and they can go to the account as soon as possible after passing the examination. Friends in need can apply for a try.
2. As a regular loan, credit information is collected at the meeting after the card loan is overdue. In addition, according to the different overdue time, the consequences are different. At the early stage of overdue, it will generate high penalty interest and increase the repayment pressure. With the increase of overdue time, credit card loans may package debts to third-party collection companies for relatively violent collection, which will not only affect their work and life, but also interfere with friends around them. When the overdue circumstances are serious, the card loan can also file a civil lawsuit with the court. However, compared with other online lending platforms, Card Loan provides a three-day tolerance period for everyone, and paying off the arrears during this period will basically not have much impact.