Only the product selection is unreliable, please use it with caution. At present, many users have complained about black cats, and there may be malicious lending, usury and forced payment. Some users gave feedback, only filled in the credit line inquiry, but did not apply for a loan, so they were forced to lend money and repay it at high interest rate immediately. And there may be scammers who recommend your victims to add customer service. Please carefully judge whether a loan platform is reliable, which can be seen from the following aspects:

1. Understand the background qualification of the platform. First of all, we should know whether the company behind the platform is industrial and commercial registration, whether it has a business license and whether it is connected to the central bank's credit information system. You can also go to the "National Enterprise Credit Information Publicity System" to inquire about company information. At this time, you should pay attention to the information you can't find, and there may be problems.

2. Understand the lending process of the platform. The formal loan platform has its fixed process and needs the identity information of the borrower. Generally, you need information such as ID number, mobile phone number, income and work unit. No fees will be charged before lending. If you charge fees in various names such as membership fees before lending, it is likely to be a fraud platform. And if the loan is too simple, you don't need basic information, you just need to enter your mobile phone number, and an exception may occur. At this time, you must fill in your personal information carefully.

3. Understand the rate of the loan platform. Generally speaking, there is little difference in loan interest. If the loan interest of this platform is ridiculously low, it may be abnormal. Normal operating platforms have costs, and they must not be so low as not to make money.

4. Understand the lending threshold of the platform. Normal loan platforms have thresholds. Whether or not you can borrow, and how much you can borrow, depends on your personal credit and repayment ability. You need to enter information such as age, income, social security and work unit. , and combined with the credit report to give the amount. There is a record of overdue repayment in the credit report, which will generally be rejected. If you can still borrow money from this platform, it also means that there is something abnormal.

The above items can be used as a reference. If the product selection is abnormal, it may be a fraud platform, so use it with caution.