Headquartered in Chongqing Baoxi Business Information Consulting Co., Ltd., founded on 20 15, it is a comprehensive Internet high-tech group company with innovative financial technology services, spanning financial Internet, artificial intelligence, big data and other industries. Its leisure friend, PayPay, started strategic planning, top-level design, team formation and business model design in September 20 17 (9 months after the company's internal test), and everything is ready now.
EasyPay mainly serves credit card users. Let's analyze the future market model and scale of credit cards. At present, almost everyone has a credit card with a minimum amount of 5,000, and the amount will only increase in the future. According to the latest statistics of the central bank, by the end of the fourth quarter of 20 17, the number of credit cards issued in China has reached 588 million, and it is expected to exceed 10 billion in 2020. The total amount of credit reached 12. 18 trillion, and the total amount of more than 70% credit cards reached nearly 50,000 yuan. Look around us: How many people refuse to apply for credit cards now? It's too late to welcome. Are there many products for peer-to-peer lending now? How to deal with banks? Will you give up the cake of credit card easily? In the face of repayment, loan and other online credit enterprises, we must lower the threshold of credit card review and speed up the pace of credit card promotion in order to hold the hard-won land. Once users use credit cards, they will only do more and more, and the requirements for credit lines are getting higher and higher. Many people see the advantages of credit card. Because of its low interest cost, it brings convenience to life, so many people take credit card cashing as an important means of capital turnover. However, many people enjoy the convenience brought by credit cards, but they can't pay back the money in time because of the shortage of funds, which leads to the overdue of credit cards. And overdue will bring a series of problems. For example, if the credit information is damaged, it will become a black household, affecting all aspects of life, such as causing legal disputes. Once it is characterized as credit card fraud, even after going to jail, it is necessary to pay back the arrears and pay extra high fees, which will eventually outweigh the benefits. In this environment, the credit card replacement industry came into being. This market is vast, huge in scale and unlimited in potential.
Credit card repayment must first bind my debit card, and then deposit the corresponding amount into the debit card before the repayment date.
After the debit card is bound, the specific credit card repayment method and term are as follows:
If paid off in full, there will be no cost;
There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment;
If the minimum repayment amount is paid, the daily interest needs to be calculated, starting from the consumption bookkeeping date;