The Zhixiangtong app is not reliable for borrowing money. The reputation of this credit platform is not very good. It is recommended to use small loan platforms with caution. Micro-loan platforms are uneven, and there are many hidden loan schemes, so you can be deceived if you are not careful. Just remember that no loan requires upfront fees for any reason, so be careful if you are asked to pay fees upfront.

The basic characteristics of routine loans are as follows:

1. The online loan platform shows that the loan has been disbursed (in the so-called loan APP), but no money is credited to your bank card at all;

2. Call you and remind you that the loan APP shows that your card number is wrong and the funds are frozen. Then the so-called customer service will tell you what deposit, unfreeze fee, certification fee, card purchase fee, etc. you need to pay in order to modify the card number. At the same time, there are They may send you a picture of a document with the title of China Banking Regulatory Commission or China Banking and Insurance Regulatory Commission;

3. The so-called loan APP shows the repayment plan;

4. Loan application Later, the customer service calls you to tell you that you have passed the preliminary review, and asks you to go to the designated location and bring your ID card and bank card to apply;

5. The customer service said: It will be submitted to the legal department for processing, suing you, and affecting your credit report. , you have to bear legal responsibility, etc., and they also scare you and say that you have to pay back even if you don't deal with it.

The definition of routine loan:

Routine loan refers to the purpose of illegal possession, in the name of private lending, to induce or force the victim to sign a "loan" or a disguised "loan" "Mortgage", "guarantee" and other related agreements form false claims and debts by inflating the loan amount, maliciously creating breach of contract, arbitrarily identifying breach of contract, destroying repayment evidence, etc., and resorting to litigation, arbitration, notarization, or using violence, threats and other A general term for related illegal and criminal activities involving illegal possession of the victim's property.

Definition of credit loan:

Credit loan refers to a loan issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantee. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based on its own credit alone, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of Chinese banks for a long time.