Is credit and credit reliable? Is it true?/You don't say. Will it lie?

Credit and credit are reliable. However, it is a non-governmental organization after all. Under normal circumstances, it is recommended that you still charge through formal channels, because high interest rates may lead to a series of problems. I suggest you pay attention to whether the platform is mortgaged, whether the platform pays the principal and interest, whether the platform can pay the fund and other related information.

The specific process of the loan:

1. Apply for a loan. Customers can learn about the bank's credit products in advance to see if they are suitable for them. After understanding clearly, they can call the bank's customer service consultation or consult on the spot. Go to the bank to fill out the loan application form, and bring your ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents.

2. Pre-lending investigation. Banks are qualified to conduct a preliminary examination of the personal data of loan applicants. If it meets the requirements, it will enter the next loan link.

3. Loan approval. The approver decides whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant.

4. Mortgage registration. If a loan applicant chooses a mortgage loan, he shall go through the relevant registration formalities after approval.

5. issue loans. Those who meet the conditions of bank loans and go through the formalities according to law can issue loans.

1, He Xin's third-party collection has now become the default hidden rule, which is reasonable. Judging from the relevant laws, it is illegal for card issuers or institutions to entrust a third party to collect credit card arrears, but in fact, in the process of operation, many domestic banks entrust a third party to collect credit cards. Entrusting a third party to collect money has long been a "legitimate" act of safeguarding rights in real life, but the card issuing institution or institution must notify the debtor when doing so, and cannot directly bypass the debtor.

2. According to relevant laws and regulations, banks can only demand payment from cardholders, and may not use violence, insult and other means to demand payment. If you are a cardholder, you should realize that paying off debts is something you should have done long ago. Because you use a credit card, you have to bear the relevant responsibilities. In addition, if the debtor has credit card debt, he can also have a reasonable and equal dialogue with the card issuer or institution. Moreover, only the telephone collection and letter collection methods of the bank collection department are legal collection methods. Other third-party collections are illegal and can be rejected.