The credit card automobile consumption loan launched by ICBC is essentially credit card installment payment, which is of positive significance for promoting automobile consumption and meeting the capital needs of car buyers.
However, banks need to cooperate with car dealers to provide guarantees, and car dealers have the financial support of manufacturers and are unwilling to cooperate with banks, so there are companies that specialize in such loan guarantees, rather than actually selling cars.
In order to make a profit, on the basis of bank loan interest, they use various means to increase the burden on lenders, such as charging more interest, forcing customers to buy insurance in designated companies, and charging service fees.
Second, are online guarantees and loans fake?
There are formal guarantee companies, they can help you solve the financing problem, but you have to have collateral!
Third, the online guarantee company asked me to set up an industrial and commercial bank card and open the password device. Only I know my mobile phone number and password, but I don't.
Not credible! Why did they let me open the password?
If you want a loan, you will give him this information sooner or later. As for the password, yours is too easy to break!
I don't understand if he doesn't ask for anything else.
A liar always has the means of a liar, so be careful.
Mm-hmm, thank you.
4. Is the loan guaranteed by the online industrial and commercial company fake?
It's fake. It's all the internet. Anyone who pretends to be the person in charge of guarantee or finance online or on the phone, or signs a contract for collection, online negotiation or fax, all formal ICBC guaranteed loans are handled at the branch. Please decide carefully.