Finally, when? A stewardess? See? Poor households? 654.38+0.5 million, reluctantly agreed to be with the man.
Regardless of whether there is any problem with the three-six-zero IOU itself, this picture, this line, this story, your products, an advertisement, it discriminates again. This kind of advertisement is really ruined.
Many netizens also said that this advertisement for the 360 loan has no bottom line and stinks.
The most outrageous thing is the clip of Amway 360 loan in the video, which is interest-free for 30 days and has the lowest daily interest rate.
These two advertising words are pulled out from false propaganda.
Even if you don't need netizens to skin you, you can see this xx-day interest-free advertisement, which is ridiculous.
Interested parties can click below to have a look.
I hope you can hold on.
This video is not only spicy, but also pushes people who don't understand into the fire pit of the 360 loan.
Many people who know about the three-six-zero loan for the first time through this video may not know it.
In fact, the name of the three-six-zero IOUs has long been smelly.
02
In fact, the advertisement of 360 IOUs is not the first rollover.
Their other advertisement on a certain tone doesn't have vulgar plot, but treats the user as a fool.
A guy borrowed 50,000 yuan on the phone with an annual interest rate of 5,000 yuan, which means that the annual interest rate is 10%.
As a result, my girlfriend said that the annual interest rate was too high, and I recommended three-six-zero IOUs.
Then the official wrote in the comment area that 360 borrowed 1 10,000 yuan, with daily interest in 2.7 yuan.
Rice calculated that the final annual interest rate was about 9.85%.
Is this different from 10%?
Other platforms in his family have advertisements that treat users as fools.
Like the copy of this advertisement? I paid off all my debts in one lump sum with a three-six-zero IOU.
Lend your money out to fill other holes and finally pay it back?
Paying back the loan with a loan just keeps jumping into the fire pit. It is really a black heart to induce users with this kind of advertising language.
The most outrageous thing is this advertising copy of "realizing financial freedom".
In fact, the meaning of financial freedom to young people is to borrow 200 thousand to play around?
Publicity? People who think that loans = financial freedom are either heartless or brainless.
There are also so-called "interest-free coupons", which seem to get interest-free coupons as long as you register.
In fact, only those who invite enough users and choose 12 installment can use it, and only the first installment can be interest-free.
The inducement of the next job naturally caused many people's dissatisfaction.
There are 993 1 complaints about 360 IOUs, and the number is still rising.
Most of the items complained by users are violent collection, intimidation and bad attitude.
Some users complained that the 360 loan was usury, and they were threatened by phone after forgetting to repay the loan, and their family, colleagues and friends were all implicated.
Compared with these problems, the practice of stealing user information seems to be "normal".
However, these stolen user information is actually used to induce small loans.
Some people complain that they call their younger brother who is still at school frequently every day, and the salesman has been guiding him to use the loan products on the phone.
Usury, false propaganda and violent collection can all be solved.
but ...
The lending platform that even minors don't let go is garbage.
03
There are many questions about "college life is not enough" in Zhihu.
Many people who ask questions are students who have just grown up, and at most they are in their early twenties.
Even for many college students who have graduated, the internship salary is just "enough to eat".
Not to mention those who tighten their belts for the down payment.
Statistics show that the use of credit cards is very intense after 90, and the average utilization rate of credit lines reaches 65.6%. More than the post-80 s.
What about those who can't use credit cards too much?
Some people choose online loans.
19 Statistics on the age distribution of consumer loans show that the post-90s and post-00s account for 52.7% of the total number, and young people are the "main force" in this respect.
Now the post-90s generation can be said to be "per capita debt".
Ask friends around you, nine out of ten people are in debt, and basically everyone is spending flowers and plants.
Moreover, among those who borrowed consumer loans, 29.6% chose to repay the loan with loans.
People who have this idea are likely to fall into the trap after seeing the induced advertisement of the 360 loan.
The data comparison also shows one thing.
After 90, the average monthly repayment amount is half of that after 80, which is about 33,000 yuan.
But don't let the income gap between post-80s and post-90s exceed 50%.
All these are enough to show that the debt pressure of the post-90 s population is far greater than our imagination.
And bad advertisements like the three-six-zero IOUs can still be seen everywhere.
The emergence of this online lending platform is not "worse", but a trap for black-hearted people to make money.
04
Remember last July when college students committed suicide after online loans?
Students' online loans are worse than usury. He borrowed 1000 and actually got 700 yuan, but he still had to pay 1000+ interest.
In desperation, he finally committed suicide, just like most people who have had similar things.
Another incident happened in 10 last year. The deceased applied for 34 online loans before his death.
Even the family has been helping him pay back the money, which is still not enough.
Finally, I actually chose to jump off a building to end my young life.
What's even crazier is that some people are moved when they can't afford online loans.
In a case decided last month, Ning, born after 1995, couldn't remember to commit suicide because she borrowed online loans.
She thought her mother couldn't stand suicide, so she killed her mother.
The ending is either suicide or murder, and online lending is like "death arrival".
Take ten thousand steps back.
Even if the money is finally paid back, people are still alive and their credit records are in a mess.
As long as you get online loans, it is basically impossible to live a good life again.
Of course, I don't believe that after something as big as 360, they can still turn a blind eye to the violations of their own terms.