2. Loans with an annual interest rate of more than 36% are illegal usury, and the annual interest rate of Xiaohua Wallet is 0.76%, so you must reasonably estimate the annual interest rate when borrowing money. At the same time, in terms of personal information, Xiaohua wallet is doing very well. They first use encrypted transmission to protect the privacy and security of the applicants, and will not let their data leak. When applying for Xiaohua wallet, it should be determined according to the actual situation of the lender.
1. According to national regulations, loans with an annual interest rate of over 36% are illegal usury. When borrowing money from small to large, you must calculate your annual loan interest rate in advance. Other charges In addition to the normal loan interest, you may be charged some fees. If the loan fee is high and the name charged is unreasonable, be careful. It may not be very reliable.
2. Personal information Generally speaking, the formal peer-to-peer lending platform has little demand for borrowers' information. If you come across a platform that requires everyone to provide private information, then this platform is not very reliable. Through the above three aspects, we can judge whether Xiaohua wallet is reliable. Xiaohua's wallet. If Xiaohua's wallet can't repay the loan principal and interest in time and in full at any time, it will be regarded as overdue, and the overdue behavior will be recorded in the credit reporting system of credit reporting institutions, such as China People's Bank Credit Reporting Center, Shanghai Credit Co., Ltd. and Ping An Qianhai Credit Reporting.
3. Bad credit records not only affect the borrower's handling of various financial businesses, but also overdue repayment for a long time, and will also be investigated for corresponding legal responsibilities by Xiaohua Wallet. If you want to borrow money from Xiaohua wallet, there will be an audit standard. Of course, if you want to increase the loan amount, you'd better find a guarantor. Only in this way can you pass the audit quickly. In addition, if you have a large loan record in Xiaohua wallet, don't overdue it, otherwise you will go to the credit investigation. As long as you go to the credit information one day later, the credit information will be recorded, so try to return the credit information.
4. If it expires, Xiaohua wallet will be received, which is generally divided into three stages: the first stage, just a few days after the expiration, the platform customer service will remind you that it has expired, please return it on time; In the second stage, if it is overdue for a long time, the platform customer service will give a serious warning, and the threat of overdue again will face serious consequences; In the third stage, after a long delay, the platform stopped persuading and began to take practical actions.
Operating environment; Xiaohua wallet v5.9.0