Credit card replacement products
1, micro music integral
Some Wechat have the qualification to open Weile points, which is a credit financial product dedicated to paying back credit cards. The daily interest rate in Le Wei is 0.045%.
The maximum amount of Weile points is 30,000 yuan, which varies according to the borrower's credit situation.
Tips:
Weile Powder only supports the return of my own credit card, not others' credit cards.
2. Sorry
Borrowing is a credit product that many users will give priority to. Alipay users can get a quota if they meet the opening conditions. The amount varies according to the borrowing situation and the frequency of use.
The daily loan interest rate is 0.035%, and the maximum loan amount is 300,000 yuan.
In fact, there is no option to return the credit card when choosing how to use it, but users can use it skillfully.
3. Microfinance
Micro-loans and micro-loans are financial products that can be invited to open on WeChat, and micro-loans are also credit products that many users consider.
The maximum amount of micro-credit is 300,000, and the interest of micro-credit varies according to the user's qualification, and the lowest interest rate can reach 0.03%.
4. Suning's willful loan
Suning willful loan is a pure credit product under Suning Finance. Often use Suning's products, maintain good personal credit, and open Suning's willful loan.
The maximum amount of Suning's willful loan is 500,000 yuan, and the interest of Suning's willful loan varies according to the borrower's repayment method:
1) installment repayment: the minimum monthly interest rate is 0.5% and the minimum annual interest rate is 6%;
2) Pay as you borrow: the minimum daily interest rate is 0.023% and the minimum annual interest rate is 8.395%;
5.JD.COM gold bars
The unsecured cash loan of JD.COM Gold Bar can reach 200,000 yuan. At present, the daily interest rate of gold bars in JD.COM is between 0.04% and 0.095%, and the daily interest rate varies with the quota of users with different qualifications.