With the rapid development of online lending, coupled with the change of social consumption concept and the improvement of consumption ability, borrowing online lending has become a common phenomenon. Whether it is an ordinary online loan or a credit card, as long as the interest is within the scope prescribed by law, appropriate borrowing and timely repayment will help improve personal credit; However, driven by favorable conditions, black-hearted merchants distort the online loan situation, which leads to the borrower being in danger. Let's see which online loans can't be borrowed:

1. Deduct the service charge from the loan.

This kind of online loan is generally under the slogan of low interest rate. If you borrow 1000 yuan, you may only need to pay back 1000 yuan a month. On the surface, there is really no interest and it is easy to attract customers. They will regret it when you pay next time. They will deduct your service fee in advance with the deposit or service fee for the loan. For example, if you only borrow 700 yuan, you will only pay a little more than 1000 a month later, but the fees charged in advance far exceed the 36% stipulated by the state. It is claimed that it will be refunded after repayment, and many people will not return it after entering. They will even try their best to make you overdue and make you earn an overdue fee. This kind of dirty mouth must not be borrowed.

2.7 14 anti-aircraft gun platform

7 14 (that is, 7 days to 14 days), the quota of such platforms is generally not high, ranging from several hundred to several thousand. Generally, the audit is relatively loose, and almost everyone can make a payment, which seems to solve the urgent need. However, there are many routines. Bian Xiao has a friend who borrowed 1000 yuan before, and it takes 7 days to pay back 1250, and the interest is too high, but he didn't pay it back later.

3. Borrow money first to the APP instead of directly to the bank card.

Few people may have heard of such a thing. Someone really meets to borrow 2000 yuan. After the application is approved, the platform will put the money into the APP, and then you will withdraw the bound bank card. Even after binding, it will be impossible to withdraw cash for various reasons, and finally the funds in the APP will be frozen. In fact, this part of the deposit must not be refunded, which means high interest. You must be alert to this.

4. the signing of the agreement is automatic deduction, and it is postponed when it expires.

Nothing is more disgusting than this, the surface interest is even lower than the national regulations, and the repayment method is advanced automatic deduction. The borrower will deposit the money and will not deduct it when it expires. No matter contact customer service or platform, there is no response, and there is no manual repayment channel. Look at yourself. You're late. When you are overdue for a few days and earn enough overdue fees, start to contact.

Contact you and start violent collection. All loans must be repaid manually.