Rongyou loan is an informal loan platform, which belongs to black online loan and routine loan. Many people found that this platform has no customer service service after financing excellent loans, and it has been displayed in the loan review, but it has not been loaned. And after the loan, the funds will be unable to repay. Therefore, Rongyou Loan is not a reliable loan platform.

first, the routine of black online lending

1. Cash flow of bank card: on the grounds that it is necessary to verify the flow of funds before handling the loan business, the victim is required to set up a new bank card and deposit an appropriate amount of funds. After obtaining the bank card password and mobile phone verification code, the funds will be transferred to the victim's bank card.

2. On the grounds that the victim's reputation is too low, ask him to pay a certain amount of deposit. When you start to apply for a loan online, you can even receive cash checks and bank transactions from the other party.

3. The swindler pretends to be a bank employee, claiming that there are internal channels for quick loan: in essence, he applies for a credit card with your ID card. After the credit card application is successful, people will activate the credit card with their mobile phones, and then use your verification code to swipe the credit line, deducting high handling fees.

second, the solution to the problem of black online lending

1. Black online lending is a regular lending, which is illegal and has been hit by the law. In theory, the patient's money can't be repaid, but it will definitely explode in the address book! You can call the police first, and then explain to your relatives and friends that the routine loan has been reported to the police. If there is a collection call later, please ignore it! I am a victim, so I can tell my relatives and friends that I have been trained! 3. Make an explosion-proof address book. This is really much less fake, and IQ tax is hard to find. But it's already done, so it doesn't matter whether it's prevented or not.

To sum up, Rongyou Loan is an informal loan platform. It is recommended that you do not make loans on this platform. Before making online loans, you must investigate the loan platform in advance to prevent routine loans or black online loans. The situation of black online loans must be reported to the relevant departments in a timely manner, and. Pay attention to collecting evidence.