How about micro credit? Which company does micro-credit belong?

Is micro credit true? Which company does micro-credit belong?

Micro Credit is real! Micro-credit is a credit product of Tencent. The credit line of micro-credit is between 20 thousand yuan and 0.2 million yuan. You can pay for the credit within 15 minutes after the application is submitted. This is especially convenient for other small loan companies. Tencent micro-loan quota is calculated based on users' basic information, QQ-based Internet behavior data, and other third-party data. After successful authorization, the quota cannot be changed for a short period of time.

It is reported that the micro-credit interest is five thousandth of 18.25%, equivalent to an annualized interest rate. In the future, with the further release of users, differentiated pricing will be implemented, and customers with good credit can enjoy two to three thousandths of the day, equivalent to 7.2%-10.8%. Currently, micro-credit loans can be paid in installments for a period of 5, 10, or 20 months.

What is micro credit?

Tencent micro-credit is a credit product, which was launched on the inner side in May 2015 and was not long ago. Tencent has a large user base. Moreover, micro-loan is indeed convenient and secure.

How about micro credit?

The credit line of micro-credit is between 20 thousand yuan and 0.2 million yuan. You can pay for the credit within 15 minutes after the application is submitted. This is especially convenient for other small loan companies. Tencent micro-loan quota is calculated based on users' basic information, QQ-based Internet behavior data, and other third-party data. After successful authorization, the quota cannot be changed for a short period of time.

It is reported that the micro-credit interest is five thousandth of 18.25%, equivalent to an annualized interest rate. In the future, with the further release of users, differentiated pricing will be implemented, and customers with good credit can enjoy two to three thousandths of the day, equivalent to 7.2%-10.8%. Currently, micro-credit loans can be paid in installments for a period of 5, 10, or 20 months.

1) the payment date is the date on which you issue your first loan. The payment date for each loan in the future is the same day. If your first loan occurs on the 29th, 30th, and 31st of the current month, the repayment date is the 21st of the current month.

2) the first repayment date of a non-first loan will span from the latest repayment date (including the current day ). For example, if your current repayment date is the 21st day of every month, and you borrow again on April 9, January 15, the first repayment date of your loan is July 15, February 21.

If prepayment is required, you can pay off the loan the next day after the loan is successful, that is, the actual loan time can be as short as one day, with only one day of interest paid. Therefore, if prepayment is made, the interest will be charged until the day of payment, because the advance repayment of micro-credit is not considered a default, and no penalty interest will be charged for other fees. Many friends who have used Tencent products think that Tencent products are still very good.

How to increase the credit limit for micro-credit?

1. First, you must associate a bank card. The main purpose is to allow the account to have capital inflows/outflows. There is usually a lot of cash flow, so you can have a large loan amount, especially when the amount of flow is large.

2. WeChat is associated with a credit card, and WeChat credit card is used on schedule to ensure a good credit record. A good credit record is a key measure to increase the loan quota. In the absence of collateral, a good credit record will be an important guarantee for your loan.

3. Add friends, often use WeChat to send money to friends, send red packets, and grab red packets. Enrich your connections.

4. Purchasing WeChat financial products and purchasing many financial products means that the higher your credit level, the higher your financial risk awareness, and the user level of the financial products you have purchased may be higher, at that time, there may be discounts on loan interest rates;

5. Daily shopping, movie tickets, mobile phone recharge, online shopping, and meal payment can all be done through WeChat, which will increase your cash flow.

6. Use the life payment function in WeChat to pay water and electricity fees on time. You can recharge qcoin, purchase lottery tickets, and recharge the game.

7. Donate a small amount of money to public welfare undertakings, even if it is only one cent of money, it is of great use for your personal credit investigation results.

8. To improve personal information, you can go to WeChat financial management products, enter the personal information interface, and improve personal information. This is also an additional item to increase the loan quota.

PS: Because micro-credit is still in the beta phase, some friends have not yet received the push function. Please wait with peace of mind if you have not received the push.