Have a bad record in the credit investigation. If you apply for a loan and don't repay it on time, it is certain that your personal credit will have a bad record. Even if WeChat doesn't seal your micro-loan, you can't raise the amount in the future.
Micro-loan is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
"Micro-loan" adopts the official invitation system. At present, invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and the "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
Micro-loan products are positioned as Internet micro-credit products, with loan amount below 200,000 and loan interest rate lower than that of ordinary credit cards.
"Micro-loan" is the first batch of customer-oriented users who are most suitable for "micro-loan" through the "white list" mechanism, mainly in Weizhong and Tencent. Next, Weizhong Bank will launch QQ wallet and WeChat wallet. [1] "Micro-loan" adopts the user invitation system, and randomly selects white-listed users from users who meet the current credit conditions and invites them to use the products. Users only need to bind the bank card and click "borrow money" with one click. The system will judge the personal credit situation within a few seconds and give a certain amount. Users can complete the loan online without any collateral and fill in the information according to the corresponding prompts. [2]
Users only need to click "borrow money" at the "wallet" entrance of QQ and WeChat, and the system will judge the personal credit situation within a few seconds, and give the loan amount ranging from 500 yuan to 200,000 yuan. Users can complete the loan within 3 minutes without any collateral and fill in the information according to the corresponding prompts. After borrowing money, you can settle it in advance at any time, with daily interest. [6]
On May 5th, 2065438, "micro-loan" was officially launched on mobile QQ, and on September 4th, it was launched on WeChat. Invited users can find "micro-loan" in "WeChat-Me-Wallet" or "Mobile QQ- Me -QQ Wallet-Fund Management".