Credit card surrender business rises as fast as 3 minutes to account exposure to personal information is at risk

The credit card surrogate business is up to 3 minutes, and exposure of personal information is risky. Xiaobian introduces you to the details.

Ms. Chen, a white-collar worker, recently worried about repayment. Later, after a friend's recommendation, Miss Chen learned that there is now an APP that can provide a credit card repayment business. The rate is lower than the bank credit card installment fee. Therefore, the operation of the application on the mobile phone quickly eased the pressure of tight capital.

Miss Chen is not a case. Nowadays, with the popularization of credit cards, more and more people are accustomed to overdraft consumption, and the demand for delayed repayment is increasing. The credit card surrogate APP is slowly known as the signboard with "the installment rate is lower than the bank".

The reporter chose to experience a popular app. Open the platform interface, follow the operation prompts, you need to enter the credit card number, ID card and other personal information, and then submit a personal loan application, the repayment amount can be up to three minutes.

On the APP platform, the applicant can view the process of the audit information. If the loan is successful, the SMS will be sent on the designated mobile phone number, and the amount of the application will be directly credited to the bound credit card to complete the credit card repayment. After this, the applicant directly recharged on the APP platform and also owed money. It is understood that through this new repayment model, the instalment rate paid by the applicant is lower than the credit card staging, usually a five to seven percent discount.

According to Mr. Cao, a person in the industry, the concept of "recruiting by credit card" is the Internet's small loan product. The technology finance company that develops the product is equivalent to the intermediary. The operation process usually first puts out the funds to owe the applicant. The money is still on, and then the applicant's credit card has a new quota, and then cash out through the POS machine to collect the handling fee.

The emergence of the "credit card replacement" APP has made many budget-conscious citizens sneak up on cheap, but the industry has poured cold water on it.

A bank employee said: In the promotion of anti-television fraud science, we repeatedly stressed the need to protect personal information. If the security measures of these mobile APPs are not rigorous enough, in the event of information leakage, the applicant can easily copy the credit card, with more serious consequences.

In fact, in order to alleviate the large repayment problem caused by the peak of online consumption, many banks have launched instalments. For example, CCB said that by December 31 this year, the Longka credit card can be used to enjoy a 30% discount on the installment fee; Pudong Development Bank said that by December 15 this year, the cardholder can apply for a 12-period period or more. The first installment fee. In this way, if you run into a bank to make a profit, the credit rate for the credit card will not be obvious.

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