Xinxin is a lending app. Most users will think that Xinxin is raising funds illegally. Because the platform charging standard is vague, the bank card deducts money by itself, calls the customer service and says it can be refunded, and also finds various screenshots. The following platforms must have failed screenshots. I called the customer service and said that I could only do it if the application failed. Need to borrow 100 yuan. As a result, only 1 yuan was transferred. So the reputation of netizens is not good.

1. How about the SMS platform?

1. The information capacity is small, and the short message platform is boring because it can only edit text and lacks corresponding pictures. Moreover, the proliferation of short message advertisements has a certain impact on the reading rate. The sending cost of MMS is too high.

2. The delivery results are different in specific regions. Due to the different supervision of SMS by local operators, some areas may block SMS sent by foreign interfaces.

3. The arrival rate is not high, so it is impossible to arrive like a text message. Due to the blockage of the passage, the arrival rate is generally only about 90%.

Second, is online lending legal?

All formal online lending companies are legal and protected by law. Loan processing conditions: 1. China citizen with permanent residence right in China, permanent residence right in local town and full capacity for civil conduct, age 18-65. 2. Have a good job, an appropriate and stable economic income and the ability to repay the principal and interest of the loan on time. 3. Abide by laws and regulations, and have no illegal acts and bad credit records. 4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided. 5. User conditions stipulated by the bank.

To sum up, according to the current national laws and regulations and the relevant provisions of the People's Bank of China, foreign exchange, futures, precious metals and other transactions are franchised. Engaged in related business must be approved by the competent department. It is illegal for any institution or individual to engage in or participate in related business without permission. If you participate in transactions on such platforms, you may not be protected by law. Therefore, netizens and users must keep their eyes open when choosing platforms, and don't be deceived by false platforms.