At present, WeChat payment is a high-scoring user, with more than 800 points. It is only used to rent umbrellas and mobile power, and there is no need to pay a deposit. In the future, it may provide free car rental, free hotel accommodation and other functions. There are three basic reference elements for the rise of your own WeChat payment score: identity characteristics, payment behavior and trustworthy records.
As for loans, due to the fact that the sub-function of WeChat payment has not covered a lot, the sub-function of WeChat payment can not provide loan evaluation services like the sub-function of Sesame. However, if you need to apply for a loan, you may wish to consider the micro-loan in WeChat. If the WeChat payment point has been opened and the score is not low, then it should not be difficult to open micro-loans.
Micro-loan is a loan product launched by Weizhong Bank, a subsidiary of Tencent. Without mortgage and guarantee, you can directly withdraw the credit line from the bank card, and the loan period can be up to 20 months. You can borrow and pay back, and the daily interest rate is around 0.05%. The opening of microfinance is an invitation system, and you can't apply for it yourself. Whether the user can get the invitation of micro-loan is determined by the various qualifications of the system to the user. If you don't receive the invitation, you won't see the micro-loan entrance on the page, and you can only borrow on the micro-loan after receiving the invitation.
At present, there are two channels for micro-loans: QQ and WeChat, where users can apply for loans.
Open micro-loan mode
1, open the mobile phone WeChat to enter the "Me" page;
2. Enter the "Payment" page of the new version of mobile phone WeChat, and then check whether there is a "micro-loan" loan entrance in "Tencent Service";
3. Find the "micro-loan" loan entrance, and click Enter to see if there is a quota activated;
4. If there is a quota that can be activated, you can get a loan after activation.
To sum up, it is still difficult to use WeChat to pay integral loans at present. If you have information about the payment point that you can borrow, you need to be careful to prevent being cheated. If you need to apply for a loan, you can try the micro-loan in WeChat.