The software of Xiamen Huanju Times Technology Company in Alipay is coming in stages. Recently, many consumers complained on the black cat about the future stage of Xiamen Happy Times Technology Company. Consumers said that Alipay was always deducted inexplicably, and the payer was Xiamen Happy Times Technology Company, which was deducted without the consumer's knowledge. In addition, the interest on future installments is very high. Some consumers said that through future installment loans, the monthly interest rate will be113.33 yuan, with a monthly interest rate of 2 minutes and 8 seconds, and the annual interest rate will be as high as 33.6%. According to state regulations, those whose annual interest rate exceeds 24% are not protected by law. From this perspective, the future installment is a typical usury.

Combine sesame information in stages to provide staging services for high-credit people. Anyone with a sesame credit score of 650 or above can log in to Alipay for online application, online review and loan approval. The credit limit will gradually increase with the user's good credit, and the maximum loan can be 10000 yuan in cash.

According to the report, in the third quarter of 20 19, through the monitoring of the national financial technology e-commerce platform, according to the comprehensive evaluation of many indicators such as low feedback rate, response time difference and user satisfaction, "future staging" ranked first in the "TOP20 of Q3 National Financial Technology E-commerce Consumer Rating List in 20 19", and the platform feedback rate was 219.