img src =‘/large/PGC-image/ 15222259324203688774 aae‘/
According to JD. According to the official statement of COM, mailing letters and newspapers on white strips is not a bad thing. It will give you a bright spot. This will also make it easier for you to buy a car, buy a house, get married and reach the peak of your life. Is that really the case? Let's take a look at its theme first.
Upon investigation, the main body of this report is Chongqing Liangjiang New Area Shengji Microfinance Co., Ltd., and the actual controller is found to be JD.COM by querying the industrial and commercial information. Keywords: small loan company, so what is a small loan company?
img src =‘/large/PGC-image/ 1522225932406 b9b 7 13758 b‘/
According to the definition of Baidu Encyclopedia, a small loan company is a limited liability company or joint stock limited company established by natural persons, corporate legal persons and other social organizations that does not absorb public deposits and operates small loan business. Generally speaking, it is a government-licensed loan company. Compared with bank loans, microfinance usually has the characteristics of fast lending, simple procedures, high interest and low threshold. Anyone who has read the bank credit report knows that the loan part of the report will show that you have had a loan in XX microfinance company. What does this mean?
According to the article "The Essence of Credit Card", according to the different financing costs of individuals, microfinance belongs to a higher level of cost, which can be divided into lending and social lending. Judging from the habitual thinking of bank risk control, applicants are willing to obtain loans from microfinance companies that are one to several times higher than bank loans, which at least shows the following problems:
1. His/her qualifications are poor, and he/she can't meet the standard of borrowing bank loans.
2. He/she may have credit problems and cannot apply for low-cost financing.
3. His/her industry may be unpopular and a high-risk group.
He/she is short of money and willing to accept such a high interest rate, so the turnover is likely to be invalid.
If you see such a letter, you can imagine the first reaction of the approver. So whether it is good to handle mortgage, consumer loan, commercial loan and credit card, I believe you already have the answer in your heart.
img src =‘/large/PGC-image/ 15222259324628 a6 ad 4b 73 f‘/
If you need to cancel the debt, you can log on to the homepage of Jingdong Finance, then select "My Customer Service" in the upper right corner, enter "Labor Service", explain to the customer service that you need to cancel, and provide the account number, mobile phone number and other related information, and the customer service will register. After receiving the customer service call, you can tell me that I need to cancel again. Now all groups are waiting to be cancelled in the popular queue.
img src =‘/large/PGC-image/ 1522225932485 EC 3 f 93d 8‘/
img src =‘/large/PGC-image/ 1522225932529 1 be 426 e 190‘/
img src =‘/large/PGC-image/ 15222259324 15 e 9 c 7 1 B3 a 48‘/
Let's take a look at the embodiment of its brothers in the mail.
Suning is willing to pay the bill.
img src =‘/large/PGC-image/ 1522225932639d 1 DBF CFA 9 e‘/
"willful payment" is a small consumer loan launched by Suning Consumer Finance Company. Users can use this product to pay when shopping, and enjoy interest-free (fee), installment repayment, cash withdrawal and free loan for up to 45 days.
Credit card: I'll pay a few dollars. As long as it is used frequently, the credit information can be used to sell waste paper to earn some pocket money.
[Microfinance]
img src =‘/large/PGC-image/ 1522225932658 e 9 1 db 803 FB‘/
"Micro-loan" is a pure online personal micro-credit revolving consumer loan product launched by Weizhong Bank for WeChat users and mobile QQ users, with a maximum amount of 300,000 yuan.
Credit: For the last time, each transaction is independent, showing that it was issued by XX Bank, which is better than microfinance.
Excuse me, ant.
img src =‘/large/PGC-image/ 1522225932720674589 bf25‘/
"Borrowing" is a loan service launched by Alipay. According to the sesame credit score, the applicable amount ranges from 1, 000-300,000 yuan.
Impact of credit investigation: Every credit is independent. According to different loans, the main credit reporting entities are Chongqing Alibaba Microfinance Co., Ltd. and Zhejiang Online Merchant Bank.
[suggestion]
In fact, having said so much, what I want to express is that under the current trend, it is the general trend for all kinds of Internet financial products to fully access credit information. If there is no access at present, it does not mean that there will be no access in the future.
However, at present, the risk preference thinking of banks still puts such products in an awkward position. Therefore, for your long-term financing plan, buying a house and a car, and for your own credit report, I suggest you use all kinds of innovative financial products carefully.
Related questions and answers: