Is it still easy to use, and how about it? Has anyone used it?

Presumably everyone should be familiar with Huabei, so should we think about how to pay it back after we spend the money? At this time, a credit card bill installment app named Huanbei came into being.

1. Which company is it from?

Huanbei is jointly operated by Chongqing Focus Micro Loan, a licensed financial institution, and Shuhe Technology;

From the company's point of view, Huanbei is a formal and reliable institutional product, which is directly supervised by the China Banking Regulatory Commission;

So you can use it normally, and you don't need to worry too much.

2. What kind of product is Huanbei? Installment or Loan.

It can be seen from the official website of Huanbei that there are currently three main business directions:

1. Bill installment, this function is actually in the "credit card bill installment", create a loan, enter the amount you want to borrow, select the number of installments, and submit, as long as the review is successful, you can repay the credit card under your name.

2. Installment**, users can shop within their own **, and choose to pay for the white strip when placing an order, and the amount must be greater than 200 yuan.

3. Credit rental, the current popular electronic products such as iphonex, iphone8, vivo, Huawei, etc. can be rented, and the amount of repayment is paid with the white strip, and the monthly repayment is made, and you can choose to return the machine after expiration, continue to rent, and buy out the mobile phone, this service is similar to the installment of JD Finance.

Third, the interest rate is high.

Huanbei's own consumer installment product is called "white strip", which determines the borrower's repayment and consumption limit;

It is not clear how much the interest will be, but the official information is;

Interest-free within 30 days, can be paid in installments, and the effective interest rate is determined according to the borrower's qualifications;

3 6 12 Minimum Interest Rate.

In general, yes.

It's still more reliable, and it's a relatively convenient lending tool.

The following is from the four aspects of company background, product situation, collection method, and user feedback.

1. Company background.

It's Focus Media.

Its lending platform is a licensed financial institution established with the approval of the first company. As a descendant of media boss Focus Media, its strength is still very strong. Because Huanbei is a licensed platform, its daily operations will also be supervised by relevant departments.

2. Product situation.

It is mainly used for credit card installment, commodity bill installment, living bill installment and lease installment. You can also handle these installments. In handling these installments, a lot of cash technology is used to ensure the security of the borrower's information.

It also adopts the method of ** application, and can quickly complete the review and disbursement. Generally, the whole process will not take more than 24 hours. Therefore, you don't have to worry about the repayment that will delay your repayment on time.

3. Collection methods.

The collection methods of Huanbei are relatively formal, mainly based on ** collection and SMS collection. It's not like a lot of informal online lending platforms.

In that case, harassment, threats, intimidation and other revealing methods are used to collect money.

4. User feedback.

Extended Materials. 1. Introduction.

It is also returned by Chongqing Focus Microfinance Company.

Chongqing Focus Microfinance Co., Ltd., a platform jointly operated with Shanghai Shuhe, is a subsidiary of Focus Media, a listed media company, so it is also a listed company. In addition, Chongqing Focus Microfinance Company has obtained a financial license issued by the state, so it is also said that Huanbei was established under the approval of the state, so it also shows that Huanbei is a formal platform.

2. Repayment fees: As we said earlier, the repayment fee is lower than the bank's credit card installment fee, and the minimum can be as low as 50% of the bank's credit card installment fee under normal circumstances, so the repayment fee is also compliant.

3. Repayment funds**: According to the introduction of Huanbei, the loan funds of Huanbei are all from banks and licensed financial institutions, and the funds** are also relatively formal, so users can use Huanbei for loans with confidence.

Judging from the above points, Huanbei is a relatively formal platform, so users can also apply for loans through the Huanbei platform when they encounter difficulties in funds, but users also need to evaluate their own circumstances when applying, and then apply under the condition that there is no pressure to repay.

In addition, early repayment is also required.

The loan interest is charged as usual, and there is no interest reduction, so users must think carefully when applying for loan repayment, and start calculating the loan interest once the application is successful.

Don't believe interest plus guarantee fee, plus membership fee, what the hell.

It's also reliable. Huanbei is the Internet finance sector of Focus Media, which is jointly operated by Shuhe Technology and Focus Microfinance, both of which hold formal financial licenses. Judging from the background of the company, the background strength of the mouth is still relatively strong.

According to the official statement of the repayment of the loan, the loan interest can enjoy a 5% discount on the minimum annual interest rate of the credit card, and the current annual interest rate of the minimum repayment of the bank credit card is, and the 5% discount on the basis of this interest rate is the minimum annual interest rate.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" in June 2018), a big brand with reliable and low interest rates. If you have money to spend - full easy loan, the maximum amount of borrowing is 200,000 (Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

It's also reliable. There is no risk in being reliable. Huanbei is a formal borrowing platform.

Huanbei is a loan product jointly operated by Shuhe Technology Yanyinchen and Chongqing Focus Microfinance Co., Ltd., which has passed the national professional qualification certification and can use artificial intelligence and big data risk control technology to provide users with convenient, fast and safe financial credit services. Through cooperation with licensed financial institutions such as CITIC Consumer Finance Company, Bank of Shanghai, Everbright Trust, etc.

Things to look out for when taking out an online loan:

1.Whether the lending platform has been approved by the CBRC and whether it holds a financial license. If it is a small loan platform without a financial license, it is generally informal, and customers are better to avoid it in case they encounter loan fraudsters and fall into the loan fraud situation.

2.If the loan interest rate is too high, be careful of usury (the Supreme People's Court stipulates that the maximum annualized interest rate of online loans shall not exceed 4 times of the floating interest rate LPR).

3.Whether the platform requires the customer to pay the money in the name of guarantee money, unfreezing money, etc. before the loan is received. It is important to know that all formal licensed consumer financial institutions generally do not charge any upfront fees before disbursing loans.

4.Whether to provide private information when repaying the loan, the customer is required to return it to the private account, and the customer needs to beware of the other party running away with the money.

5.Whether you borrow it once and you can't borrow it again, you can directly set the Zen Road customer.

6.Whether the repayment channel is deliberately closed to make the customer overdue, so as to collect overdue fees. <>

Compared with credit card installments, the interest is not high, I generally use the credit card bill to pay first, and then repay the repayment, the second to the account, very efficient In addition, you can also use the white strip directly to shop in installments, 30 days are interest-free, as long as the repayment is timely every month, you can increase personal credit, the credit is high, and you can lend up to 200,000 yuan, which is very convenient, and after all, it is a big platform, the credit protection is very reliable, for the temporary alleviation of repayment pressure, is very efficient.

Speaking from my own experience. Also, this software is very safe and reliable. I've been using it for more than two years, and I've used it every time I repay my credit card in the past two years, and I've used it at least four or five times in installments, and I haven't had a problem.

Whether it is the speed of the next payment, or the process of repayment, there has never been a problem. Because I am more concerned when I use a credit card, I have never been overdue, so I have not experienced the ultra-high overdue fees that many people say. However, before each loan, the overdue fees should be written in the agreement, and it is still a bit funny to blame the software for not paying attention to it.

In fact, it is almost the same as Huabei, and interest will be charged after the repayment date. However, the interest rate of Huibei is much higher than that of Huabei. Nowadays, most young people are spending ahead of time, and they go and repay the borrowed money, resulting in not being able to pay it back. So I don't think it can be opened.

It's still relatively good. Compared with other platforms of the same type, Huanbei can ensure the information security of repayers. A lot of people are using it.

It is still very protected by rights and interests, and friends around me have used it, and there are many clear regulations, and it is very convenient.

It's still very good, and I've used it myself, and the interest is not particularly high, so I recommend everyone to use it.

Deceive, don't use it, fool people.

Huanbei mainly uses the combination of data, technology and finance to score users in the form of "rules + scorecards", and improves the data model through machine learning. In addition to the existing risk control capabilities, it also realizes the "flash loan" of "filling in information, automatic scoring, and immediate disbursement", which has higher requirements for the risk control ability of Internet finance.

The person in charge of risk control in Huanbei was also from Capital One in the United States in the early days, and he also has ten years of work experience in China Merchants Bank. The team's main risk control technology also comes from the credit card center of China Merchants Bank. It is hoped that through long-term data testing and data precipitation, the risk control model will be polished and the risk control can be optimized.

According to the official website, the platform can provide three kinds of security guarantees, licensed financial institutions, information encryption base, and security professional risk control, which are generally very reliableThe details are as follows:

1. Licensed financial institutions: jointly operated by licensed financial institutions Chongqing Focus Micro Loan **** and Shuhe Technology, to provide users with professional and safe credit services;

2. Information encryption protection: user information is encrypted and transmitted to the bank system for storage, and SSL encryption is set at the application layer to protect the security of user funds;

3. Professional security risk control: establish a new evaluation system based on Internet credit and application behavior data.

Judging from the news announced by Huanbei, although Huanbei is very similar to the two products of Ant Borrowing and Huabei in terms of name, Huanbei has no substantive relationship with Ant Financial Services Company behind Alipay. So consumers should be careful not to get confused.

Notes:

1. If the repayment is overdue, you also need to pay a one-time penalty of 5%, and at the same time, before you pay off the arrears, you will be charged penalty interest every day.

2. In fact, most of the financial credit products are now linked to the credit information system of the People's Bank of China, and the overdue ones will be credited.

Summary. Hello dear, happy to answer for you! Is it still reliable?

Huanbei is a mobile loan platform under Chongqing Focus Microfinance Company, that is, if you can't pay off the bill at once when repaying the credit card, you can repay the credit card by repaying it, and then repay the arrears in installments.

Is it still reliable?

Hello dear, happy to answer for you! Is it still reliable? Huanbei is a mobile loan platform under Chongqing Focus Microfinance Company, that is, if you can't pay off the bill at once when repaying the credit card, you can repay the credit card by repaying it, and then repay the arrears in installments.

Hello dear, happy to answer for you! Huanbei APP is an installment service platform based on multiple consumption scenarios, which officially entered the market in February 2016. Through cooperation with licensed financial institutions, we provide personal consumption credit services to the general public and provide loan financing support to small and micro business owners.

As of the end of June 2022, Huanbei has activated more than 100 million users, provided reasonable credit services for more than 14 million users, helped users "borrow well, repay well", and used artificial intelligence and big data risk control technology to provide users with convenient, fast and safe financial credit services.

Summary. Hello dear, happy to answer for you! It's reliable.

Huanbei is a mobile loan platform under Chongqing Focus Microfinance Company, which is a licensed financial institution established with the approval of the first and is subject to the supervision of relevant departments. 1. The borrower must be at least 18 years old, be a legal citizen of our country, and have full civil capacity; 2. The borrower's personal credit status is good; 3. The borrower needs to have a credit card for more than 6 months. <>

Hello, I am glad to answer for you. It's reliable. Huanbei is a mobile loan platform under Chongqing Focus Microfinance Company, which is a licensed financial institution established with the approval of the first and is subject to the supervision of relevant departments.

1. The borrower must be at least 18 years old, be a legal citizen of our country, and have full civil capacity; 2. The borrower's personal credit status is good; 3. The borrower needs to have a credit card for more than 6 months. [Big Red Spring Flowers].

Hello dear, repay the borrowing platform special se1When the user is unable to repay the credit card, he can use Huanbei to help repay the credit card in installments, and its advantage is that it can exempt some handling fees and interest from the chain user. 2.

Users can shop within the ** of Huanbei's own eggplant, and choose to pay for the white strip when placing an order. 3.At present, there are endless styles of mobile phones on the market, each of which is powerful, but we can't buy every one, use the white strip amount to pay, repay every month, and you can rent the mobile phone after the expiration of the option to return the machine, continue to rent, and buy out the mobile phone.