Borrowing money from He Xin is a bit unreliable.

Before answering this question, I went to the internet to search for the relevant content of credit. It is found that the content of credit online loans is basically arrears information, as well as some so-called violent collection and unreasonable service fees. If you want to borrow this loan, I personally advise you to be cautious.

First, He Xin's loan is an informal online loan.

At present, the market is basically informal, even if some of them have received credit information from the central bank, the interest on such loan products is also very high. As we all know, the dividing line of loans is 36%, and the annualized comprehensive interest of such loans is generally 34%~35%, which is exactly 1%. He Xin loan is one of these non-performing loans. I think you need to be careful.

Second, never touch it.

Maybe you have financial problems in a short time, or you need money in an emergency. But whatever the reason, don't touch it. It may solve your cash problem in a short time, but if the time line is lengthened, your debt situation will only get worse. In most cases, you may run out of funds within a few months, and at this time you will fall into a vicious circle of supporting loans with loans.

Third, you should learn to cherish your personal credit information.

For most users who borrow online loans, the mainstream group of online loans is generally young people. Young people's consumption concept and financial management awareness are not very good, that is, to seize the loopholes of young people and attract young people to apply for online loans through the so-called low threshold. I think if you need funds, you can apply for loans or credit cards through normal banking channels. If these still can't help you solve the problem, you can ask friends and relatives around you for help, or even seek social help directly, but don't touch it.

Is credit and credit reliable? Is it true?/You don't say. Will it lie?

Credit and credit are reliable. However, it is a non-governmental organization after all. Under normal circumstances, it is recommended that you still charge through formal channels, because high interest rates may lead to a series of problems. I suggest you pay attention to whether the platform is mortgaged, whether the platform pays the principal and interest, whether the platform can pay the fund and other related information.

The specific process of the loan:

1. Apply for a loan. Customers can learn about the bank's credit products in advance to see if they are suitable for them. After understanding clearly, they can call the bank's customer service consultation or consult on the spot. Go to the bank to fill out the loan application form, and bring your ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents.

2. Pre-lending investigation. Banks are qualified to conduct a preliminary examination of the personal data of loan applicants. If it meets the requirements, it will enter the next loan link.

3. Loan approval. The approver decides whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant.

4. Mortgage registration. If a loan applicant chooses a mortgage loan, he shall go through the relevant registration formalities after approval.

5. issue loans. Those who meet the conditions of bank loans and go through the formalities according to law can issue loans.

1, He Xin's third-party collection has now become the default hidden rule, which is reasonable. Judging from the relevant laws, it is illegal for card issuers or institutions to entrust a third party to collect credit card arrears, but in fact, in the process of operation, many domestic banks entrust a third party to collect credit cards. Entrusting a third party to collect money has long been a "legal" behavior in real life, but the card issuer or institution must notify the debtor when doing this behavior, and cannot directly bypass the debtor.

2. According to relevant laws and regulations, banks can only demand payment from cardholders, and may not use violence, insult and other means to demand payment. If you are a cardholder, you should realize that paying off debts is something you should have done long ago. Because you use a credit card, you have to bear the relevant responsibilities. In addition, if the debtor has credit card debt, he can also have a reasonable and equal dialogue with the card issuer or institution. Moreover, only the telephone collection and letter collection methods of the bank collection department are legal collection methods. Other third-party collections are illegal and can be rejected.

Does the credit company still exist?

The loan company exploded, so the loan company did not exist, and many financial problems appeared in the process. It is worth noting that neither the lender nor the lender can perform corresponding operations on this platform. Moreover, the credit has been submitted to the central bank for credit investigation, and overdue will cause harm to personal credit.

First, the credit problem.

And the credit loan has been overdue in a large area, and the platform loan amount has reached 1 10 billion yuan. Therefore, this company has already had serious problems, and it has also filed an investigation, but the effect is not obvious. Many lenders said that they did not get their own principal or their own money after going out to give money to this platform. So many people contacted the investigation agency, but they still couldn't contact the core area and couldn't negotiate with the staff in the core area. So if the lender has money in this company, but doesn't get it, it can only be done on this platform. And in this process, we still need to wait constantly, so it is difficult to have business in this company. Moreover, in order to recover debts, the company also uploaded the list of debt evaders to the credit information system. If you find overdue debts after checking the credit information system, you still need to repay them in time, otherwise it will have a serious impact on your future life.

Second, don't invest easily.

Although some people invest boldly, they will be attracted by some online platforms and are willing to invest their money. However, knowing whether these platforms can exist for a long time has become a fundamental problem. If you don't read the contract carefully after investing money, you will be miserable if you can't get it out.

Third, we must repay the loan in time.

If the online loan method is reasonable and the contract has been signed, then you should repay it in time. Even if the platform does not exist, you should return the money, so as not to affect your credit information.

This is the end of the introduction about whether the credit loan is true and formal. I wonder if you found the information you need from it?