Goose's pocket money is a loan launched by Weizhong Bank in conjunction with other financial institutions. This is a credit report at the meeting. If Goose doesn't pay back the money, the system will upload the overdue records to the central bank system, which will affect the borrower's credit report.
Charge penalty interest:
Goose will still charge penalty interest if they spend money. Penalty interest is calculated from the overdue date until it is paid off. If it is not paid for a long time, it will increase the personal repayment amount, resulting in a larger repayment amount.
Telephone collection:
If the money consumed by geese is not returned, it will be taken away by the goose consumption staff. Goose consumption staff will collect money by calling and texting, which will affect the normal life of individuals, relatives and friends.
Characteristics of goslings' spending money:
According to the official introduction, Weizhong Bank provides personal bank account service and licensed consumer financial institutions provide loan service, which is safe and reliable, and the interest and expenses of products are transparent. Goose spends money to run the whole line. According to the user's credit situation, the maximum amount is 50,000 yuan, the longest loan period is 12 months, and consumption, transfer, red envelope and cash withdrawal are supported. 50% of the quota can be directly withdrawn to the bound bank card, and all the quotas can be bound to WeChat payment.
Specifically, the amount that has been opened at present is generally around 2000 yuan to 7000 yuan. Spending money by geese can be said to be a combination of spending money and borrowing money, which can be applied to four scenarios: cash withdrawal, consumption, transfer and red envelope.
1. Cash withdrawal: It is understood that 50% of gosling's consumption quota can be withdrawn directly (the withdrawal amount should be an integer multiple of 100, and the minimum withdrawal amount for a single transaction is 100 yuan), and the withdrawal must be carried out in stages, and you can choose 3, 6, 9 and 12 periods. There is no handling fee for gosling to withdraw money, but it can only take half of the total amount of gosling's money. For example, the total amount of money for goslings is 5,000 yuan, and the maximum withdrawal is 2,500 yuan.
2. Consumption: Spend as much as you can with Goose. For example, the total amount is 5000, so you can spend 5000.
3. Transfer red envelope: At the same time, Goose can also bind WeChat payment, including WeChat red envelope and WeChat transfer. However, the maximum monthly limit is only for 500 yuan, and it will be automatically restored every month 1 day.
What's the difference between micro-loan and micro-loan?
First of all, micro-loan is Tencent's consumer credit tool, which mainly provides loans for everyone, while the pocket money of Goose is actually more similar to that of Alipay, and it is a credit tool mainly used for online shopping.
Goose spends money mainly by Tencent video. It is understood that Weizhong Bank does not provide funds, but three licensed financial institutions provide lending services. These licensees are all connected to the credit information system, so when Goose spends money to apply for a loan, relevant information should be reported to the credit information. Goose spending money to buy Tencent is still very reliable in terms of strength.
How to open goslings and spend money;
At present, goslings are invited to spend.
1. Tencent video APP.
Download and enter Tencent Video APP, and click on the Personal Center at the bottom of the homepage; Click to enter the personal center, find the consumption icon of Tencent Goose under the limited-time promotion column, and enter the application to open. Tencent Goose can be used online and offline after spending money to bind WeChat payment. If you don't see the entrance, you are not qualified to start business for the time being.
2. WeChat official account.
Wechat searches for the official WeChat account of "Goose Spending Money". After paying attention, click "Apply Now" and check your quota according to the prompts. If we can improve the activity of WeChat account, maintain a good credit record and improve personal information as much as possible, it will also be beneficial to the opening of gosling pocket money.
In addition to Tencent's micro-loan and Goose's spending money, Lending Bao and Spending Money are also credit service brands launched by BAT. Youhuagan is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance), which supports active application with a maximum amount of 200,000, which can meet the borrowing needs of most people.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
App version: v8.0. 18