Is smart credit card repayment reliable?

generally speaking, credit card loans are definitely unreliable, which can easily lead to the credit card being controlled by the wind.

First of all, the current credit card repayment has basically been regarded as the development of the industrial chain. There are credit card repayment intermediaries in the private sector, online repayment apps, and many online small loan platforms issue credit loans to cardholders in the name of credit card repayment.

In the face of so many credit card repayment agencies, if we really appear and are unable to repay, should we choose these repayment methods? According to my years of experience in using credit cards, I will give you a brief analysis. First of all, I want to clarify my own point of view that credit card repayment is definitely not allowed by banks in principle. Moreover, if the bank finds obvious repayment behavior, it will definitely reduce the cardholder's amount and seal the card.

according to the three ways I divided at the beginning, I will make an analysis for you one by one.

1. Non-governmental credit card reimbursement agencies

The reimbursement methods adopted by these agencies are relatively direct, generally, one or more credit card bills are paid off according to the cardholder's credit card bill. Then brush out the returned money in one sum and several sums, and then charge a certain proportion of the repayment fee according to the repayment amount.

this kind of operation is the most risky, because many agencies pay back the money in one lump sum and pay it out in one lump sum, so there are many such operations. The cardholder's card is very susceptible to bank risk control. It's only a matter of time before the card is reduced.

2. Substitution APP software

This means that the cardholder deposits a sum of money on the credit card, and repays the bill by simulating multiple transactions through the substitution app. Compared with the repayment method of the intermediary company.

this repayment method is slightly advanced. However, because it involves binding card information to app software, it is easy to cause personal information leakage and lead to risks. At the same time, although this software can simulate different consumption patterns. But after a long time, the software will not become unstable. In principle, it needs to be replaced frequently, but it is safer than the first method.

3. Repaying credit cards with loans through online lending platforms

This way of repaying credit cards with loans is relatively better. Because there is no need to brush out the money immediately after repayment, the cardholder can also brush out the money in batches in other ways, and then wait until the loan expires before paying back the arrears.

this way of spending money costs a lot, and it does not guarantee that the cardholder can repay the arrears in time. If it is overdue, it may cause other serious consequences. But it is relatively more reliable than the above two methods.

Generally speaking, it's really not so reliable to use the method of credit card repayment. Personally, I once asked an intermediary to help me repay my credit card, which led to a card being downgraded and sealed, and my credit was overdue because of my inability to repay. Of course, it doesn't hurt if you use the method of returning from generation to generation occasionally. But long-term use must be cautious.

smart credit card repayment, those secrets you want to know but don't know!

Another smart repayment APP has run away!

Hunan Satellite TV Metropolitan Channel reported the information that the smart repayment APP "Raise, Withdraw and Return" ran away. It was reported that a large number of agents lost their money and the police had been involved in the investigation.

in recent years, news about illegal payment platforms such as card-free payment APP, smart repayment APP, and overseas POS that have run away or been seized will log on to the official media every three to five times.

the most sensational event was in 218, when the "first brother" of payment without a card was stewed in a pot, and 11 members of the cloud payment team were arrested, involving a total amount of 17.9 billion yuan.

Although the running posture of different companies is different, the casualties of users and agents stepping on thunder are uniform.

profiteering, violation of regulations, greed, ignorance, and human blood steamed bread swallowed by financial whales are fully explained.

1. There is nothing new under the sun

profiteering is an eternal theme.

Marx summed up this problem more than 1 years ago.

why are illegal payment platforms, such as card-free payment, smart repayment and overseas POS, repeatedly banned and endless?

the entry barrier is low and the profit is attractive enough.

register a company, develop or buy a set of software, connect several payment channels, and the shelf will be set up.

the rest is selling and waiting for the opportunity to run away.

This is a bit similar to P2P and anti-aircraft gun online loans. P2P and anti-aircraft gun loans buy one or more sets of apps and backstage, and then buy a blacklist database, so you can cook.

The difference is:

P2P and anti-aircraft gun loans mainly get customers by buying network traffic, and make money by running away and violent collection;

illegal payment depends on agent at different levels to get customers, and makes money by agency fees, money-breaking and stealing.

2. Disassembly of routines

There are mainly three kinds of tricks for card-free payment, smart repayment and overseas POS:

agency fee

running away with money

stealing brush

card-free payment and smart repayment. Today, most of them are combined.

The logic of dismantling agency fees-

This kind of APP did not intend to develop real payment users from the beginning.

the core logic of making money is agency fees.

first, there will be many levels of agency and the agency fee will be very high.

top agents generally need hundreds of thousands or even millions of agency fees, and entry agents generally need hundreds of thousands of agency fees.

second, the superior agent develops a subordinate agent, and the commission rate is very high.

for example, for example, the first-level agency fee is 5, yuan, and the second-level agency fee is 3, yuan.

the first-level agent will develop a second-level agent, and the agency fee will be raised by 6%.

Then, every time a first-level agent develops a second-level agent, it can earn 18, yuan.

third, this pyramid scheme of "high commission" must be matched with high credit card sharing.

in this mode, the profit sharing ratio must be high enough.

ten thousand 2, and thirty thousand 3 are divided at every turn.

why do you have to set the profit margin beyond?

Because it is necessary to draw the cake big enough, it is not easy to draw the cake.

Logical disassembly of the money-running-

Many smart repayment apps may not be ready to run at first, really.

But every smart repayment APP has a critical point of running away.

this point depends on the specific value of the actual controller to resist the temptation of funds:

1 million, 5 million, 1 billion, 1 billion?

to name a few!

Business process of smart repayment APP:

Users download and register smart repayment app;

Tie your own credit card in, and give it to the platform, including expiration date, name, CVV2 security code, payment password and bound mobile phone number;

the platform writes all the information of the cardholder into the database;

then the user can set the daily swipe time in the APP, or choose the default (intelligent) selection of the platform;

when it's time to swipe the card, the platform will take the information of the user and swipe the merchants in the cooperative payment channel;

in the whole payment process, you don't need a payment password! ! !

instead, the platform records your password and enters the payment password "instead of you" every time you pay.

then, according to the settlement time of the platform, the funds after deducting the handling fee will be returned to the bound credit card.

it goes on and on, so it goes on and on.

These are also some conscientious agents. After discovering that their agent's platform is running away, they will inform the friends who have been dragged into the pit by him in the circle of friends-the reason for changing the payment password as soon as possible and stopping payment if the loss is reported.

when there are more and more users on the platform, as the second clearing platform, more and more funds will be deposited on its platform account.

These unregulated money are tempting the platform controller-

Brother, take the money and run away!

the logic of stealing brush-

neither smart repayment nor overseas POS is subject to the supervision of the mother.

the consequence of being unsupervised is that your card passes by him once.

it becomes a transparent card.

all the information on the card surface and the card password will be stolen (bright) and saved (bold).

These secretly saved information may

be sold to the black market,

or the platform may change hands to operate directly, and

steal the brush!

3. Greedy game, ignorant tuition

The routine of agency fee, when the first and second generations are hooked, most of them have the same mind.

what they are playing is that they can get more offline before the platform runs away.

They don't even want to earn profit by developing "credit card users".

it's too slow to distribute the money!

they are used to eating human blood steamed bread with various routine platforms.

but you often walk by the river, and you can't get wet shoes!

sometimes, before the agency fee is earned back, the platform runs away.

At this time, these well-versed head agents will organize a group to report the case, seek media exposure and so on.

The running time race between the head agent and the platform is a game between the greedy and the greedy.

What's really pitiful is the cardholder who is actually developing by the lowest agent and using the platform APP.

Most people who need to use smart repayment software are on the verge of debt bankruptcy-their monthly income can no longer pay off their credit cards, or even their monthly bills after installment.

under the advertisement that "5% retention can pay off 1% debt".

this group of people seems to have caught the last straw.

meizi used it for a month and was very satisfied!

then become a fan and promoter, and promote friends around you to use the "artifact".

suddenly, one day, the platform did not repay the loan as scheduled, but deducted the money as scheduled.

I ran to the agent, and the agent told him that the platform had run away, and I was cheated by XX million yuan.

and share the same enemy with him, and swear to the death and report the case to the end.

after three months, I represented him on WeChat: Brother, I represented XX Zhihuai, and this is 1% reliable.

what does Mr. Jin's smart generation do? Is it safe?

The smart generation of Golden Butler is not reliable.

recently, the promotion of a credit card payment software APP called "Golden Housekeeper" is very fierce. Whether it's sharing and promotion in the circle of friends or self-blacked soft text promotion on the website platform, it's almost a state of credit card replacement software!

this is another credit card repayment software that is suspected of breaking the rules and cashing out, but has quickly hit the payment industry after many credit card repayment softwares such as Youke Life, Snail Smart Butler, Bee Harvest, Worry-Free Wisdom, Blue Whale and Tenglvtong were exposed by the media.

In fact, it's not uncommon for a software platform like "Golden Manager" to teach you to rob Peter to pay Paul in the name of smart credit card repayment and mainly engage in "cash loan" business. Since this year alone, there have been credit card compensation platforms such as Youke Life, Snail Smart Butler, Code Pay-back, Bee Pay-back, Fun Pay-back, Money Pay-back Way, Golden Butler and Yibai Butler, which were exposed for allegedly providing credit card cashing in violation of regulations.

it's just amazing that these credit cards are paid back to software developers, and they all make a wave of money, then run away and cancel the company, or after being exposed by the media or industry regulatory authorities, they change their shells and re-enter the Jianghu. Who cares about the life and death of platform users? If you don't resell the information of platform users, you will burn high incense!

it is undeniable that with the increasing popularity of credit cards, repayment problems will inevitably occur, especially when the utilization rate of credit lines of credit cards far exceeds the normal repayment ability. Under this background, many scams under the guise of "paying back" and "cashing out" of credit cards have appeared one after another, and they are regarded as straws by credit card users who are ignorant and eager to repay.

is it illegal to repay the app on behalf of flying fish?

It is not illegal to repay the app on behalf of flying fish.

Flying fish app is a comprehensive app that manages credit card bills and can repay, apply for cards and collect money. At present, it has just been launched, and it is unclear which company it operates,

. According to Xiaobian's understanding, the fee for intelligent repayment of flying fish is .691.5, and the rate is not particularly high <

can the smart credit card repayment APP act as an agent?

yes, because banks have increased the number of credit cards, and the market prospect is great.

Let's stop here for the introduction of smart credit card repayment agents.