Reliable is a credit card billing installment APP that serves the majority of credit card holders and helps users solve credit card problems. It is reported that it is a formal, legal and reliable application for repaying credit card bills. With a formal financial license, you can borrow money in it with confidence. In addition, regarding the repayment of loan interest, in fact, the repaid interest = loan amount × annual interest rate × loan days ÷365. If the user borrows 30,000 yuan, the annual interest rate is 9. 13%, and the annual interest is more than 2,000 yuan. Of course, this is the algorithm of the lowest annual interest rate, and everyone's interest rate may be different. The specific interest rate is subject to the page.
The repaid loan interest varies according to the user's own qualifications. Interest is calculated monthly. When a user applies for a credit line that needs repayment, the system will review the user according to the information submitted by the user, and finally review the user's loan interest rate according to the user's actual situation. So everyone will take a loan in return, and the final interest is different. When repaying the loan, the user can repay the loan in installments of 3- 12, and the loan will have a certain interest-free period. When paying in installments, the minimum monthly interest rate is 0.5%. If the user's own qualifications are better, the loan interest rate obtained in repayment will be lower.
Nevertheless, there are still three main directions:
1. Payment by installment. This function is actually in the "credit card bill installment". Create a loan, enter the loan amount, select the installment amount, submit it, wait for the approval, and you can pay by credit card.
2. The shopping mall is divided into stages. Users can also choose to buy white in the returned shopping center. You can also choose to pay in white when placing an order, and the amount must be above 200 yuan.
3. Credit leasing service. At present, popular electronic products, such as iPhone, iPhone8, Huawei and other popular models can be rented, and the refund amount is used to pay the order once a month. After the expiration of the use period, you can choose to leave the machine and continue to rent or buy a mobile phone. This service is similar to the installment payment launched by Jingdong Finance.
Pay it back. Is it reliable to borrow money? Pay it back. Is the loan reliable?
As we all know, there are all kinds of lending software on the market, and repayment is one of the most popular lending software. Many young people often use repayment to pay off their credit card bills. However, there will be some interest on repayment. So it doesn't matter. Is it reliable? Let's take a closer look!
Not bad. Is it reliable?
I'm not sure what this so-called unreliable means.
As an app whose main business is credit card billing installment, if there is no problem with this business, then I think it is a reliable software.
Similarly, if you can't pay back when using a credit card, or there will be many problems when using it, and even the user will suffer economic losses, then it is definitely not a reliable software.
I used it several times and returned it. There was no problem in using it, and it really met my needs at that time. From this perspective, I think this app is quite reliable.
Of course, this is just my personal opinion. Whether it is reliable or not depends on the download and return of the subject. Just try it. But the subject can rest assured that it is absolutely safe to use it, and the subject will certainly not suffer economic losses because of using it, which we are sure of.
Also, what platform is it?
Huanbai APP is an app jointly operated by Qihe and Focus Small Loan, which provides installment repayment of credit card bills. The main business of Huanbai app is to help some credit card holders who can't repay immediately when the credit card repayment date comes, and to help cardholders avoid credit damage caused by overdue.
As far as my own experience is concerned, the app is still relatively reliable. Although the handling fee is not 50% of the installment fee for bank credit card bills, it is indeed lower than the bank's handling fee. As far as I'm concerned, it's about 70% of the bank charges. Both the experience and the speed of the next paragraph are good. It is a good APP.
Not bad. Suitable for who?
Repayment is mainly credit card repayment, which is a little different from the micro-loan you mentioned. Generally, the money borrowed for repayment is directly used to repay the credit card in your credit card, not the debit card.
Nowadays, young people's consumption concept is more advanced, and such products are more suitable for young people.
Regarding the interest rate mentioned in the question, many companies in the industry promote their products in the name of low interest, but what is the actual interest rate? Compared with the annualized interest rate of bank 18.25%, few can really achieve low interest rates. You can pay attention to this suggestion.
Also experience.
If you use it, you can borrow money just because you like a treasure or a cat's cool products, such as beautiful watches, necklaces and bags. Paying back money is definitely not reliable, because this stupid software has to pay back after borrowing money, which is quite annoying and is not recommended to the subject.
However, if you encounter some unexpected financial fluctuations, such as job hopping, graduation, or serious illness of family and friends, you need a sum of money urgently to tide over the vacuum period. Actually, in my opinion, it is ok to return it after using a little.
I have been a long-term user for two years. I wonder if his subject has seen ipartment. There is a passage in it that says (I don't know if it's plagiarized) that Tang Youyou used 18 credit card to repay the loan, with the purpose of prolonging the repayment cycle, freeing up rich time and creating more value with these saved time resources.
In fact, the same is true for repayment. For the credit card to be returned this month, it is very useful to borrow money to exchange the card first and then repay the borrowed money next month, which will probably extend the repayment period by about one month, and the interest and handling fee will probably be lower than that of the bank. However, please advise the subject not to borrow money to buy luxury goods and extend the repayment period! You don't have to pay back the money you borrowed! ! ! !
Pay it back. Is borrowing money really reliable? Pay it back. Is the interest high?
Some people use credit products for consumption in order to meet their material needs, but they can't reasonably control their consumption, so the pressure of credit card and online loan repayment will be great. In this case, most people choose to repay by installments. Although this can temporarily alleviate the repayment pressure, the interest is relatively much higher. If it is a loan repayment, will it be reliable and the repayment interest will be high?
Huanbai is a credit card bill installment repayment platform, which is mainly used for commodity bill installment, daily consumption bill installment and credit card installment. When the user's credit card is unable to repay, it can be used to help repay in installments. The advantage of this is that you can avoid some interest and handling fees. If your personal credit is good, the platform will also have a 50% discount on the minimum repayment interest of credit cards.
Commodity bills can also be repaid in installments, and users can shop in the mall that has returned goods. When placing an order, they only need to choose to return the white note. Moreover, there are various models of mobile phones used by users at present, and the functions of mobile phones are very powerful. We want all of them, but we can't buy all of them. If you have a fancy mobile phone, you can rent it in the form of a white note and pay it back every month. After the expiration, you can choose to return it, continue to rent it, or buy it directly.
Many people are most worried about whether the interest will be high when using online loan products. But repayment is to specify different interest discounts according to everyone's credit status. Users with good credit can use 50% off the minimum repayment interest, and the loan 10000 yuan can be divided into 12 installments, which can save the minimum repayment for other credit cards in 500 yuan. According to our understanding of repayment, this is a very reliable loan platform, where loans can not only ease the pressure of consumption, but also help to repay credit cards. For many young people, it is still very good, but even the best credit products should be used rationally and repaid in time.
Not bad. Is it reliable?
Still on, really fake, really reliable, the interest is not high. If it's fake, you have to pay 5% of the production cost in advance, so you can't borrow it. When you pay the money, your registered bank makes a mistake, and then you can't transfer the wrong money to you. If you want to withdraw money, you can modify your account and transfer several thousand yuan to Jie Bing to withdraw money. In short, if you have to pay in advance, you can't borrow it from cheating people!
Pay it back. Is the loan reliable?
Also, the loan platform is formal.
According to China's relevant regulations, any financial institution that wants to lend legally needs to hold a consumer finance license approved by the China Banking Regulatory Commission before it is eligible for private lending.
Huanbai is a microfinance service platform under Jihe Technology and holds a consumer finance license issued by China Banking Regulatory Commission. In other words, Huanbai, under the banner of Jihe Technology, is qualified for private lending and is indeed a legal lending platform.
The minimum annual repayment interest rate is 9. 13% and the maximum is 24%. The benchmark for central bank loans is: 3.85% for one year and 4.65% for five years. The repayment period of the loan is no longer than five years, so we calculate it according to the one-year benchmark interest rate, so the repayment interest is within the legal range.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).
Ping An Xin Yi Dai Click Online Measurement
Pay it back. Is the loan reliable?
Generally speaking, it is reliable and a convenient lending tool.
The following four aspects: company background, product situation, collection method and user feedback will tell you whether it is reliable or not.
1, company background
Huanbai is a loan platform under Focus Media and a licensed financial institution approved by the government. As a direct branch of Focus Media, a media tycoon, its strength is still very strong. Because it is a licensed platform, its daily operation will also be supervised by relevant departments.
2. Product information
Returns are mainly used for credit card installment, commodity bill installment, life bill installment and lease installment. Not bad. I can handle these installments. When handling these stages, many cash technologies are also used to ensure the information security of borrowers.
There is also the use of online applications, which can quickly complete the review and loan. Generally speaking, the whole process will not exceed 24 hours. So, you don't have to worry about delaying your repayment on time.
Is it legal for the loan platform to repay the loan? How much is the interest for borrowing for eleven thousand years? Is it legal to pay back the money?
3. Collection method
The collection methods of payment are more formal, mainly telephone collection and SMS collection. Despite this, it will not use harassment, threats, intimidation and other exposure means to collect money like many informal online lending platforms.
4. User feedback
At present, netizens' response to the reunification is not bad. Bai Hui will cooperate with Tencent QQ to provide some preferential loan activities for everyone, so that everyone can have more fun in the process of using Bai Hui.
Introduction to 1 and Huanbai
Huanbai is a platform jointly operated by Chongqing Focus Company and Shanghai Collection. Chongqing Focus Company belongs to Focus Media, a listed media company, so it is also an enterprise with a listed background. In addition, Chongqing Focus Company has obtained the financial license issued by the state, so it is said that Huanbai was established under the condition of national recognition, which means that Huanbai is a formal platform.
2. Refund: As mentioned earlier, the repayment fee is lower than the bank's credit card installment fee, which can generally be as low as 50% of the bank's credit card installment fee, so the repayment fee is also compliant.
3. Sources of repayment funds: According to the repayment introduction, all the repayment loan funds come from banks and licensed financial institutions, and the sources of funds are relatively formal, so users can use repayment to make loans with confidence.
From the above point of view, repayment is a relatively formal platform, so users can apply for loans through the repayment platform when they encounter financial difficulties, but users also need to evaluate their own situation when applying, and then apply when the repayment pressure is not great.
In addition, the interest on the prepayment loan is charged as usual, and there is no interest reduction. Therefore, users must carefully consider when applying for loan repayment, and calculate the loan interest once the application is successful.
Pay it back tomorrow. Is the loan reliable? Let's stop here.