2 Wechat viscosity is not enough, or your account has no real-name authentication, or you don't have a bank card.
③ If you don't use it frequently, you should use WeChat to pay the fees and purchase wealth management products.
4 consumption is not frequent, and there are many functions that can be consumed in WeChat, so try to use them as much as possible.
5 WeChat has not been used for a long time, and it is difficult to open micro-loans because there is no reference record at all.
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1, microfinance
"Micro-loan" is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, a domestic internet bank, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" relies on mobile QQ and WeChat, and adopts the official invitation system. Invited users can see the entrance of "micro-loan" in "QQ Wallet" of mobile QQ and "WeChat Pay" of WeChat, and get a loan amount of up to 200,000 yuan.
2. Is microfinance a formal platform loan?
Microfinance is a formal platform loan. Micro-loan is a pure online micro-credit circulating consumer loan product launched by Weizhong Bank for WeChat users and mobile QQ users. Weizhong Bank is the first private Internet bank in China, and it has a formal financial institution license, so it is a formal loan platform. However, the micro-loan adopts the user invitation system, and only users who receive the invitation can apply for opening, and they cannot apply for opening independently.
3. Is micro-loan a turnover line?
No, microfinance is not a revolving line, because it does not have the function of recycling. After borrowing the money from a small loan, you can apply for borrowing money again after paying off the loan. If only the current payment is made, the principal amount will not be restored to the available amount, and the amount can only be restored after all the loans are paid off, and the loan can only be borrowed after restoration.
4. Is there a credit report for microfinance?
Credit information is credit information, because you apply to open micro-loans, that is, click the steps to check the credit line, and the page will prompt you to authorize the inquiry of credit information report before you can continue to apply. In addition, according to the central bank's credit rules, small loans are revolving loans, and the credit line will be shown in the credit report, not the loan line, that is, when the credit line is 10000, 5000 will be borrowed. The credit report will show "issuing 10000 yuan". In fact, micro-credit investigation is a double-edged sword. If you keep a good loan record and repay on time, some banks will give you extra points for your mortgage because of your ability to perform. Some banks may think that you are short of money and refuse to approve your mortgage, depending on the bank, but if your micro-loan is overdue, it will definitely affect your mortgage application.