2. The application condition of rookie cloud loan is that the borrower has good credit and repayment ability. Cainiao Cloud Loan is a credit loan made by Cainiao.com for brand dealers. It's big and can be borrowed and returned at any time. The annual interest rate is as low as 7.5%, and the whole process is online. It should be noted that some small loan scammers say that they can repay as long as they have an ID card, and nothing else is needed. In this case, they should be careful. After they get your ID card, they may ask you to pay, threatening to disclose your ID card information without paying.
About online lending
1. Generally, formal online lending platforms will not charge any fees before issuing loans. The agreement will clearly indicate the fees charged, management fees and other fees, so that the parties can clearly know that they will not charge before the loan is successfully issued. Including the handling of credit cards by major banks. There is no charge before the credit card is approved. The related expenses must be approved by the card and activated before normal use. Those who make a hullabaloo about can help with loans and credit cards. The loan money has not been affected, and the credit card has not been obtained. They asked them to pay in advance. 99% are liars!
2. Trojans that steal bank card information. This scam is relatively hidden. Liars usually set up a scam first, and then send pre-compiled loan information in the form of SMS, QQ information and WeChat. After the borrower took the bait, the swindler sent the installation package of Trojan Horse program. After the borrower submits important information such as bank card number and password as required, the balance in the bank card will be transferred out completely. Don't trust any information of any private or informal lending institution, and don't enter your ID number, bank card number, password and other important information on untrusted websites.
Because many borrowers refuse loans because of personal credit stains, scammers also start to do this kind of business: claiming that the bank has acquaintances or spending money to eliminate credit stains. Once set, too many benefits will go into the liar's pocket, and your personal credit information looks bad. Because personal credit information is managed by the Credit Information Center of the People's Bank of China. Once the stain appears, it must be paid off and maintained for 5 years before it can be eliminated. No one, even a bank employee, has the right to modify it. There is no shortcut to personal credit reporting. The only way is to keep a good credit record.
4. Most people who are cheated by online loans are credulous of these microfinance advertisements. Those flyers that can use ID cards to borrow money have ridiculously low interest rates and many hidden traps. You want to borrow money from him. He just wants to cheat you out of your money. When there is a loan demand, we must find a formal and reliable platform like the loan network. Tips: For the safety of your own and your family's property, you must be cautious in lending!