It is reported that Meituan Monthly Payment is a loan service provided by Meituan Company, which is connected to the bank's personal credit information system. If the user defaults unexpectedly, the default record may be displayed on the credit information report. Many netizens also said that the interest rate of loan service is extremely high, with five ten thousandths of a day, or 18% a year, which is much higher than the interest rate of bank credit cards. What is even more worrying is that Meituan will be open to users by default, and even use the loan amount for payment by default, which means that users have made online loans without knowing it. If the user accidentally misses the overdue repayment, it is likely to affect his credit history, which has a particularly negative effect on himself.
In addition, some netizens said that they had already given me a loan by default when riding a Meituan bike earlier, and it was only two yuan for a ride, and the key was that the user didn't know it at all. By the end of the month, he inexplicably received the repayment information from the US Mission, only to know that he still owed money. Moreover, Meitu often opens loans for users by default, but does not default to payment. In other words, it is very likely that they will default without knowing it. What is even more exasperating is that the interest rates of these online loans are very high. Although under the guise of internet finance, the actual loan interest rate is much higher than that of credit cards.
Someone has calculated that the monthly interest paid by Meituan is actually 18%, which is simply usury. This is why internet companies like to do finance, and this kind of loan has not been properly supervised for a long time, which leads to this model is very chaotic. Many young people have been taken in. They think that the loan amount of the Internet platform is high and more convenient, but in fact it only introduces bank funds, so in order to make a profit, they lend at the bank's interest rate.