Some lending institutions actually need to buy members to apply for loans. And the cost is as high as several hundred yuan. When Bian Xiao first learned the news, he guessed the mystery. This is undoubtedly a new act of beheading in disguise. From the outside, it's completely legal. And from another point of view, because the platform has already released loans before and won the trust of borrowers, many people will not hesitate to believe that this is true, obediently abide by the platform's overlord treaty and borrow money by paying membership fees.
However, just recently, many netizens said that after buying a member, they were told that their credit was not good when they applied for a loan, and there was no other influence. Some people even directly said that they were fooled by the platform, and members who bought several hundred yuan or even several thousand yuan directly called Shui Piao. I still can't apply for a loan after payment, but I contact the customer service of the loan platform but don't handle it. This is not from charging beheading interest in disguise to fraud. Of course, this is just Bian Xiao's personal idea.
In fact, regarding the membership fee, what Bian Xiao wants to say is that if the loan application fails and the membership fee cannot be refunded, complaints can be made through platforms such as gathering complaints. But the more direct way is to ask the platform for a refund. After all, their members can't bring us any rights. It is suggested that the most important thing for borrowers is to confirm whether the other party is a usurer, and whether the pre-loan interest and various expenses are within their repayment ability. It is best to choose a formal online lending platform to avoid being said to be willing to lose a game. If even a loan needs to be risky, what's the difference between it and gambling?