No, the mobile phone number required for real-name authentication is at least three months old.

When using mobile phone loans, you should pay attention to the following points.

Distinguish whether the company is regular. When borrowers choose a loan, they must pay attention to check the lending institution's business license, tax registration certificate, and loan approval procedures to avoid encountering irregular companies.

Do not pay fees before disbursing money. You must know that formal lending institutions will never charge fees before disbursing money. Therefore, the borrower must pay the relevant fees only after the loan contract is signed and the loan is issued.

Understand the details of the fees and ask about the loan-related situation, such as how the handling fees are calculated and collected; understand the conditions for credit card overdrafts and the amount of overdrafts that can be made in each period; understand whether the chosen installment method is exempt from handling fees, if not The handling fee is exempted. What is the rate and calculation method of the handling fee? Consumers who choose to swipe their card first and then apply for installment at the bank should understand the bank's application process to prevent the application from being unsuccessful and disrupting the payment plan.

Cash installments may occupy credit card limits. It is worth noting that cash installments from some banks will occupy credit card limits. For example, assuming your credit card limit is 50,000 yuan and you apply for a cash installment of 30,000 yuan, then before you pay off the 30,000 yuan and handling fees, the available balance in the card will only be 20,000 yuan.