1. What is Baixin Bank in Alipay?
AiBank is China’s first direct-selling bank jointly initiated by an in-depth cooperation between an Internet company and a traditional bank.
AiBank was jointly established by Baidu and China CITIC Bank on November 18, 2015. The main difference between Baixin Bank Co., Ltd. and existing banks is that it has no offline branches and provides financial products and banking services through the Internet without time and geographical restrictions.
2. Is CITIC aiBank reliable? What is its full name?
Task trap
3. What is the loan app of CITIC aiBank?
CITIC Baixin Bank is a Baifendai app. Baixin Bank is an Internet bank jointly established by China CITIC Bank and Baidu. It was officially opened on November 18, 2017 with the approval of the China Banking and Insurance Regulatory Commission. If the loan lender shows CITIC Baixin Bank, then the loan platform for this loan is Baixin Bank. BaiXin Bank is an Internet bank jointly established by China CITIC Bank and Baidu. It was officially opened on November 18, 2017 with the approval of the China Banking and Insurance Regulatory Commission. If the loan lender shows CITIC Baixin Bank, then the loan platform for this loan is Baixin Bank. Baixin Bank's consumer credit product is Haohuihua, with a maximum credit limit of 200,000, which supports borrowing and repaying at any time.
Extended information Conditions required for Baixin Bank’s 100% loan:
1. The applicant is between 21 and 55 years old and has full capacity for civil conduct;
2. The applicant has a stable job and income, and has the ability to repay the loan;
3. The applicant's personal credit report is good, with no overdue or other bad records;
4 , commonly used credit cards or social security with more than six installments of bills.
The maximum application amount currently open to Baifendai is 300,000 yuan, and the loan period is between 3-24 months. It should be noted that Baifendai is not open nationwide. The cities currently supported are: Beijing, Shanghai, Tianjin, Wuhan, Shenzhen, Guangzhou, Chengdu and Jiangsu Province.
4. I have opened a Lehua card, why can’t I receive the card?
“Experience Lehua Card and receive 155 days of luxurious green diamonds” “Open Lehua Card and receive 12-month iQiyi membership” “Activate Lehua Card and receive Qingyan Camera for free. Recently, a large number of mainstream platforms An advertisement for co-branded cooperation with Lehua Card appeared, and this became the main source of complaints from users of Lehua Card.
“It is true that I received VIP after activation, but it was true later. I'm very upset. Within half an hour after activation, I started getting loan phone calls asking, "Do you need a loan? I know you have financial needs." The information was extremely unsafe. I even doubted whether they would use my uploaded information. Use your ID information to get a loan. "Anton (pseudonym), who saw the Lehua Card advertisement on the iQiyi APP, said
The reporter learned that many users said that every consumption bound when registering a Lehua Card account became a I got a loan that required interest payments and had a credit record, but I didn’t see the product Fenqile when I opened the account. It was also accused by college students of cooperating with the education platform to open loans for students without the user’s knowledge.
Chen Wen, director of the Digital Economy Research Center of the School of Finance, Southwestern University of Finance and Economics, told China: “From the perspective of licensed financial institutions, even if they rely on cooperation with loan assistance institutions, they must also control the borrower’s true wishes and identity information. Grasp the threshold of qualified borrowers. ”
After opening an account, you will be credit-reported if you continue to make loan calls and spend money?
Whether it is advertising on popular platforms or shooting a large number of promotional videos, various signs indicate that Lexin (NASDAQ: Lehua Card, a credit payment product of LX)
As we all know, if the credit card has free payment, the cardholder does not need to pay interest. Unlike ordinary credit cards, there is no one-month interest-free. If it is overdue, there will be no compound interest, and the form is more similar to a cash loan.
Today, Lehua Card has cooperated with more than 50 financial banks, Bank of Nanjing and other financial institutions, including CITIC Consumer Finance and Zhongyuan. Most licensed consumer finance companies such as Xiaojin and Changyin Xiaojin.
However, from the perspective of people who have no borrowing needs, it is found that the main product promotion method of Lehua Card is to seize the user's greed for petty gains and jointly launch VIP benefits with mainstream platforms, which are given as soon as they are opened. If you are a member, bind your Lehua card to WeChat/to extend the membership time limit. Cooperation platforms include QQ Music, NetEase Cloud, iQiyi, Renren Video, Xunlei, Qingyan Camera, Wumart Supermarket, etc.