I know about online lending, but I don't know how to operate it.
Know how to apply, but find that you can't pay?
You successfully applied for the next payment limit and found that the limit was lower than others?
If you have the above problems, please study the following loan operation skills carefully to ensure that you can provide the next repayment rate!
1. With regard to mobile phone number, mobile phone address book and call records, the key step in online lending is the mobile phone number: Needless to say, I must have my real-name authentication address book: the purpose of online lending is to obtain the mobile phone address book.
① Some online loans will extract contacts from the address book. You'd better save your contacts in advance. The contact person should be your elder, because they have basically never borrowed money, and their mobile phone numbers are not recorded in the network big data.
Like mobile phone call records, the main purpose of online lending to get your mobile phone address book is to "save one hand". In case someone doesn't return it, he can explode the address book. Of course, qualified online loans will definitely see if there are any abnormal records in the address book when reviewing. See the following points for details.
② Check the contact names in the address book for suspicious items. Many people will write more details when they call names or comment on contacts in the address book. If you have the following keywords, you should pay attention. Loans, small loans, loan intermediaries, arbitrage, gambling and so on. Use your thinking ability and read the address book, but if you feel bad, you might as well delete it. In addition, if you have saved some loan intermediary numbers, you may wish to delete them.
Try not to consider forging a full set of address books. Some loan friends will use their brains to get a whole set of other people's address books or completely forge one, thinking that they can get away with it. It is not difficult for online loans to identify forged address books. For example, the overlap between your real phone records and forged address books must be very low.
4 Android phone users should pay attention to check SMS. The SMS of Android phone can be read by a third party, while the privacy of Apple phone is completely protected, and no third party can read the SMS. Therefore, Android mobile phone users are exposed to more information in front of online loans, paying special attention to the following information. First, other small loan text messages, repayment reminders, collection, etc., whether fatal or not, always decrease. The second is all kinds of short messages from bank credit cards. The number of credit cards given to online loans in your mailbox must not be too different from the number of credit cards involved in the text message. Re-emphasize consistency.
3. Call records
The most important thing is that if you don't pay back the money in the future, the online loan will be used for collection. On the one hand, if you refuse to answer the phone or change your number, the online loan can call your contact person to try to get your latest contact information; At the same time, in this way, things that you owe money will spread all over your social life and give you pressure. So don't think about it; Mobile phone call records can also be generously given away.
In addition, you can also provide some other clues through your phone records. For example, have many other online lending institutions called you recently? If so, it means that you may be anxious and short of money, which is unfavorable for online lending. For another example, have you ever contacted some financial intermediaries? Generally speaking, online loans don't like intermediaries.
Mobile phone must be registered with real name. Online loan login operator online business hall will receive your call.
Record. Your number must be registered in the operator's real name, otherwise the online loan cannot determine whether the number belongs to your name.
(3) In the long run, we can consider raising a clean number. Ideally, all loans should be applied for by themselves. But it doesn't matter if you have contacted the agent and left a call record. From now on, get a brand-new mobile phone number, keep it safe, and only contact relatives and friends, not loan agents. At present, mainstream online loans require reading telephone call records. So in the long run, it is worthwhile to maintain a high-quality number.
④ Don't consider using a trumpet. Don't try to muddle through with a trumpet. What is a trumpet? It is the number where you register various websites, contact real estate agents, receive short messages from banks and receive express delivery. The purpose of online lending is to get the contact information of your acquaintances. They have a set of algorithms to see who are your acquaintances and can't be confused. If you submit a trumpet, naturally there won't be many people you know among them. Second, the front and back of the ID card+I take photos with my ID card. Don't stand under the lamp. If you have a shadow on your face, you'd better find a place that looks like an office without a white wall behind it.
Second, sesame credit score
Anyone who has Alipay knows that even if your credit is overdue, as long as your sesame seeds are well distributed, many small bags can be used. Cherish sesame. In addition, regarding the improvement of sesame score, I usually have more business dealings with Alipay. If you have nothing to do, just open an online shop and brush the bill. Sesame points will naturally go up. Sesame score will be updated on the 6th of every month, so the score before the 6th is the best! If you have extra spare money, you can deposit it in Yu 'ebao and have your own practical experience. You can borrow it after one month's deposit, and the limit is 10000.
3. Credit card or credit card bill mailbox
It's best to go to Taobao to buy a corporate mailbox. The company email can make the small loan company think that you have a real job.
1. Ensure the integrity of long bills, and ensure that there is at least one card's half-year complete bill in the mailbox. If the bill is incomplete, you can call the bank customer service phone to apply for a replacement electronic bill.
2. Show the perfect overdue card and delete all related bills. Show your perfect side to online lending institutions.
3. Delete the mail that may cause disadvantage. Online lending institutions not only scan credit card bills, but also have other clues with information value. Therefore, there is no need to keep the following types of emails, including emails from other online loans and emails from online gambling sites.
4. Pay attention to the consistency in the whole process of shenqing. The "you" known by online lending institutions may not be the most complete "you". To be precise, you show them "you" through email messages and so on. For example, even if you have three cards, if there is only one card list in your mailbox, then in the eyes of online lending institutions, you only have that card.
Online loans often ask some questions when returning by phone to verify whether the applicant is my application. At this time, when you answer questions, you also need to answer according to the information of "you" you show to the online loan. For example, if an online loan asks how many cards you have and what is the maximum amount, then you should answer a card, and the maximum amount is the amount of that card.
4. About Taobao account and JD.COM account.
1. AliPay real-name registration system Every Taobao account must be tied with an Alipay account. Please confirm that the account belongs to you in the real name registration system.
2. It is best to have a certain number of physical shopping behaviors in the last three months; Do not have too many receiving addresses. Online lending institutions can evaluate your spending power through your Taobao historical purchase records; Secondly, you can know your address information through the receiving address of physical consumption. Therefore, you can keep a habit of moving the online consumption of physical stores to Taobao and Tmall as much as possible. In addition, the receiving area should not be too much as far as possible, and it is meaningful to be within three. Online loans may evaluate your stability through the delivery address; You can occasionally receive goods from your work unit, occasionally at home, occasionally at home, which makes sense. If there are more addresses and more consignees, it will be unnecessary and will cause unnecessary suspicion.
3. Bad transactions, there is no need to keep many transactions, which may leave a bad impression on online loans. For example, all kinds of online gambling, game currency platform recharge consumption, P0S machine purchase, IOU transaction in Alipay and so on. So, you might as well check your Taobao transactions, use your brains and delete all the transactions that may be bad; In addition, please note that related transactions between Taobao and Alipay need to be deleted.
4. The phone number of Taobao consignee is the same as that left in the online commodity application. Doing so is a plus item. In history, you may have used the phone number of multiple consignees, but at least you'd better use the phone number left when you applied for online loan recently.