Platforms similar to Xiaoying’s card loan without credit report: 51 Personality Loan, Superman Card, Weixin Card Loan, and Repay Superman Card.

First, Xiaoying Kadai and Meituan are both credit-reported loans. If they are overdue for one week, they will definitely be reported to the credit report system. There will be consequences if Xiaoying Card Loan is overdue for even one day. In addition to the penalty interest, Xiaoying Card Loan cooperates with third-party institutions. If it is overdue, compensation will be shown in the credit report. The consequences of showing compensation in the credit report are more serious than showing that the credit report is overdue, thus causing a stain on personal credit. If you don’t know your credit status, you can search for the mini program on WeChat: Kuai Ka Test, and enter to view to get your own big data and credit status. You can also get various indicator data such as: blacklist status, online loan application records, The type of application platform, whether it is overdue, long-term lending, whether there are arbitration cases, and other important data information.

Second, when an online loan is overdue and there is insurance compensation, it is because you have purchased performance guarantee insurance. Take Xiaoying Kadai as an example. When borrowing money, the platform basically does not require borrowers to provide third-party guarantees, mortgages and pledges and other guarantee measures when borrowing from banks. Therefore, for some "white households" who lack credit records, it is difficult for many platforms to judge the credit risk, and funding parties will also question the repayment ability of such borrowers. At this time, the insurance company provides loan guarantee insurance as a means of independent risk assessment and credit enhancement, rather than tying insurance. The insurance company will evaluate whether to underwrite the loan and determine the premium rate based on the borrower's risk profile.

Third, therefore, you must choose a regular lending institution for your loan, and you must also choose loan products based on your actual situation and repayment ability, and try to avoid late repayments. In addition, when you borrow money on an online loan platform, you must read the loan contract carefully. If you know that the online loan you borrow is insured, you must be even more careful not to delay the insurance reimbursement, so as not to affect your credit score. to have adverse effects. In the current financial inclusion, ZhongAn Insurance plays a very important role as a "credit intermediary". It not only continuously improves the efficiency of linkage with institutional partners, but also continues to optimize the service experience of C-end users. Currently, Zhongan Insurance is upgrading its technical service capabilities to combat the risk of surrender charges.

Fourth, it is worth mentioning that Xiaoying Kadai’s original “WinSAFE Smart Win Risk Control System” analyzes the big data risk control system composed of anti-fraud model, credit risk model and decision-making engine. The borrower's repayment ability and willingness to repay are determined, and the final risk score and loan amount are obtained, relying on data processing and modeling capabilities to ensure the safety of users' funds.