Speaking of credit card "on behalf of the platform", manager: Four three-830977 a lot of users also because the overdraft amount is not up to this, through and on behalf of the Platform to confirm the agreement, pay part of the service fee to resolve this issue. But for the negative impact of this kind of repayment, ordinary card users often do not know what they ask. Today's flash-time small series of popular science for a generation also platform three generations of models.
One, "cash loan" mode
On behalf of the platform using credit card billing day and repayment date of the time difference (after the bill Day of consumption is the next bill repayment amount, the deposit before the repayment date of the current period of repayment), the user only need to deposit a small amount of money in the credit card, on behalf of the platform cycle brush withdraw funds back to the user, so as to achieve the
In particular, users need to set the repayment period, repayment times, repayment amount and other information before use, and in advance in the credit card to deposit some cash, the compensation platform will be in accordance with the user settings to swipe-back to the circulation operation set, take user spending amount, and used to pay the current credit card bill, the current bill to the next month, The platform charges a certain fee (0.8-1% of the bill amount) during this process.
Second, the Platform compensation model
The model essentially compensates for the platform, but unlike the model, the borrower no longer owes credit cards, but the repayment platform.
Notice shows that the mode of credit card on behalf of the platform to advance the user's credit card arrears, and to obtain the user's claims, the user needs to repay the loan on a regular basis on behalf of the platform. Technology platform monitoring user repayment cycle can range from 1 weeks to 24 months, the monthly interest rate is about 0.55%-1%, while some platforms also charge 0.1%-0.8% service charge and 2%-3% fee per month.
Third, credit card hedging mode
The user has more than one credit card, the use of credit card consumption of interest-free period of loopholes, the cycle of brushing multiple cards to maintain interest-free borrowing. This mode, the user by the platform to brush the credit card B, the platform to charge the fee after the card to return the user, so that the user can credit card b funds to repay credit card a.
Therefore, the platform for every kind of credit card generation method has its loopholes, the approximate rate as a cardholder we will fall into this trap. In contrast, the credit card for the software is much more secure and convenient, at least he uses the app as a port for the convenience of the software model as a running theme, rather than through the operation of third-party platform.
Credit card "On behalf of the platform" and smart repayment app which is more secure
