1. Weixin Card Loan is the credit card repayment branch of Weixin Jinke, and Weixin Jinke is an Internet finance company listed in Hong Kong, so the strength of Weixin Card Loan is still very strong. Wechat card loan is a loan platform that you can apply for only with ID card, bank card and credit card. You don't need to provide too much private information or provide mortgage or guarantee to apply for a loan. At the same time, the borrowing cost of a platform also reflects the reliability of the platform. The monthly interest rate of WeChat card loan is not higher than 1.73%, which is within the annualized interest rate of usury stipulated by law of 24%. Judging from the feedback from old friends who borrowed money, the collection method of WeChat card loans for overdue people also complies with relevant regulations, and the fees are transparent.
2. Although you don't look at your personal credit information, if you don't pay off its arrears on time, the credit will be recorded on the personal credit information platform. After the deadline, bad records will be recorded in the company's credit information system. Only if you don't pay it back within the time limit will it go to the credit bureau. At the same time, the credit card loan of WeChat card can help users to repay on their behalf and avoid the influence of overdue repayment on credit information. So after borrowing its loan, they can choose to repay it in installments, and the interest is lower than that of credit cards.
Generally speaking, as long as it is a normal repayment, it will not be reported. If it is overdue, it will definitely be reported. So, if you don't want to report it, the best way is to repay it on time. Even if the loan is recorded as a credit report, it will be recorded as timely repayment, which will help maintain personal credit.
1. Card loan, as a pure online loan product under Weixin Financial Technology Group, has been online for a long time and is a regular licensed loan. You can apply with confidence. At present, the maximum amount of credit card loans can reach 200,000 yuan, and the service cycle can be divided into 6-24 periods. Friends who are aged between 20 and 50 and have more than 6 credit card bills can APPly for credit card loans through the authentication of ID card, bank card, mobile phone real name, basic information, credit information and other information in the card loan app. After submitting the materials, most of them don't call back, and they can go to the account as soon as possible after passing the examination. Friends in need can apply for a try.
2. As a formal loan, the credit will be collected after the card loan is overdue. In addition, according to the different overdue time, the consequences are different. At the early stage of overdue, there will be a high penalty interest, which will increase the repayment pressure. With the increase of overdue time, credit card loans may package debts to third-party collection companies for relatively violent collection, which will not only affect their work and life, but also interfere with friends around them. When the overdue circumstances are serious, the card loan can also bring a civil lawsuit to the court. However, compared with other online lending platforms, card lending provides a three-day tolerance period for everyone, during which paying off the arrears will not have much impact.