Because blasting the address book is the most useful method. Because many people know that most of the online loan interest is illegal, they don't plan to pay it back. The common acquisition effect is very low, so this method can only be used. If the funds arrive after Changhanghua applies for the next payment, but the platform fails to deduct the financing guarantee service fee from your binding account, then you will not be able to repay normally in the future. In the future repayment, the guarantee fee will be repaid normally after successful repayment, and it can be defaulted for up to one month. Failure to repay the loan at maturity will directly affect your credit information. At present, Changhanghua doesn't check the credit information, but it will check it at the meeting.
Moreover, the supervision clearly stipulates that the borrower's borrowing cost shall not be increased in various forms or ways in disguise, in other words, the service fee or beheading interest shall not be charged in disguise. Secondly, you can go to the complaint platform to complain, our common third-party complaint platform: poly-cost-effective complaints, black cat complaints; You can also go to Internet Finance to negotiate official website's complaint. Under normal circumstances, the first time you log in to the online loan, the app will ask for various authorization information. The online lending platform can only query the borrower's credit report by clicking "Allow". If the online loan you applied for also has an application for credit inquiry authorization, then most of them will check the credit. Finally, customers who pay successfully next time must remember to repay on time in the future. If it is overdue, a management fee of 100 will be charged even for one day. Informal and reliable online lending platforms will not use the method of exploding the address book from the beginning. Unless the phone has been disconnected, turned off or has an empty number, it will be transferred to a third-party collection company, and professional collection may use the method of exploding the address book. Regular licensed online lending platforms will generally start to burst the address book after 1 month. Generally, I will call myself within one week and call my contacts within two weeks. If it takes a long time, I will entrust the collection company directly through various means.