Apple ID loan is a variant of cash loan, mainly for Apple mobile phone users. For example, if a user has an Apple mobile phone, he can apply for a loan on the platform, and the platform will evaluate it according to the model and usage time of the mobile phone.
As early as 20 17, relevant media reported such incidents. Mr. Wang saw an advertisement on the Internet saying that an Apple mobile phone was bound with an ID loan. You don't have to bet on your mobile phone or read credit information. As long as you have an Apple phone that can unbind and bind the Apple ID, you can get a quick loan. It happened that Mr. Wang was in urgent need of money, so he added the QQ number of the other party and wanted to borrow some money to solve his urgent need.
The other party told Mr. Wang that he could borrow 3000 yuan from the iPhone6s. The loan does not need to register any information. He just needs to unbind his Apple phone ID and then bind the ID provided by the other party. After the binding is successful, he can lend money. The other party sent Mr. Wang an Apple ID and password through QQ number, and he operated on the mobile phone according to the other party's requirements. However, after binding the id provided by the other party, Mr. Wang did not receive the money. When he wanted to unlock the Apple ID, he found that the other party had changed the password.
After that, Mr. Wang's Apple mobile phone was remotely locked by the other party, and the other party asked him to pay 500 yuan to unlock it, otherwise all the information in Mr. Wang's mobile phone would be deleted. In desperation, Mr. Wang had to transfer 500 yuan to the other party through Alipay, but the other party didn't provide the unlock code as promised, only said that Mr. Wang's information would not be erased for the time being, and asked him to transfer money to 500 yuan to help him untie. Mr Wang realized that he had been cheated.
Then this loan method disappeared. In the middle of last year, some media reported on the loan of Apple ID. In terms of loan process, ID loan is the same as other mobile phone leaseback platforms, except that before the platform lends money, the borrower needs to bind the designated Apple ID account on the iPhone, and the platform can change the password of the Apple ID after confirming that the mobile phone can be locked. In this case, users can't log off their accounts or turn off the "Find iPhone" function. Moreover, if the repayment is overdue, the platform will directly lock the borrower's mobile phone, and at the same time, it can easily obtain the user's address book and photos, thus threatening the user's repayment, making the address book explode and even exposing private photos. With these, you can ask the lender for repayment, or ask the borrower to mail the mobile phone to the platform.
Some people may think that there is no risk in this way, because the amount is not high, there will be fewer cases of non-repayment, and the mobile phone can be replaced at any time, but things are not as simple as everyone thinks.
Although it seems that this loan method is very convenient and suitable for a wide range of people, its interest rate is not low. Most platforms use this method, replacing the loan interest expense with the concept of "rent", which is not directly limited by the 36% standard and is close to the red line of usury. It is understood that the loan interest of most platforms has exceeded. On the regular mobile phone rental platform, rent two new iPhoneX every month.
Information security is not guaranteed, and some netizens have entered the pit of ID loans.
"I used to borrow money from an Apple id loan software. Later, I was overdue and told the customer service that I was looking for a friend to borrow money and other friends would transfer it to me. As a result, my mobile phone was locked at noon, and my photos and my friends' photos were all nude photos and sent to my address book. Later, I really couldn't stand paying back the principal. Not only did I not unlock my mobile phone, but I was also asked to pay an overdue fee of 500 yuan. Later, I ignored it and told the customer service two weeks later that the overdue fee was 65438+.
In fact, this directly shows that using ID loans, users' information security can not be guaranteed, not only address books, photos and so on. But even the safety of funds can't be guaranteed.
If your mobile phone is locked because it is overdue, you can only blame yourself, but if you meet a liar, your ID is bound, but the money has not arrived, can you only eat Rhizoma Coptidis? Some netizens said that after the swindler tricked him into binding the Apple ID, he not only refused to lend him money, but also asked 200 yuan to agree to unlock the password.
Cases like this can be found everywhere on complaint platforms and question-and-answer platforms. Some users complained that a cash loan, which is essentially an Apple ID loan software, showed that the loan was 2,200 yuan, but a large amount of "beheading interest" led to more than 1700 yuan, and the money was used once and then borrowed again. But this time, it was recorded by a newsletter. On average, a person makes more than a dozen phone calls every day ... "There are actually some methods. An enthusiastic netizen said: "In fact, as long as you are sure you don't want to pay back the money, you can take the purchase voucher, invoice and box to the official after-sales service for free, saying that the id on it is not yours, or you can spend 100-200 yuan on Taobao to unlock it, depending on your own ideas.
Apple ID loan attracts many cash loan players because of its simple gameplay. At present, a large number of users have complained about Apple ID loans on major complaint websites and forums. Underground cash loans are hidden, which can easily lead to vicious collection, marketing involving user privacy and various "routine loans". The crackdown and intervention of the police may be the only means to stifle underground cash loans. However, users also need to raise anti-fraud awareness and choose a reasonable loan path.
Finally, I want to remind you that if you buy apples regularly, you can take the purchase invoice and the original packaging box to the Apple Direct Store for processing. Before making a loan, you must also pay attention to identifying the authenticity of the loan!