It s from that company, and which one is it

Hello! The repayment app is mainly for credit card repayment business, and if you don't pay the credit card on the repayment date, you can repay it on your behalf, and then pay interest and repay it in installments. If you have an urgent need for money, it is recommended that you must choose a reliable big brand formal channel, money to spend is a credit service brand under Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, with the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The application conditions for having money to spend are mainly divided into two parts: age requirements and information requirements.

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

Note: Only debit cards are supported, and the application card is also your debit 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.

This answer is provided by Youqian Hua, I hope it will be helpful to you. As a credit brand under Du Xiaoman Finance (formerly Finance), Youqian Hua brings users convenient, fast and reassuring Internet credit services, with a maximum borrowing limit of 200,000 yuan.

I don't know, borrow money to find one, certificate, loan, beg.

Huanbei is jointly operated by Shanghai Shuhe Technology and Chongqing Focus Small Loan, which is a company with a formal financial license, so Huanbei is a relatively reliable loan platform. Huanbei is an app that provides a variety of services such as credit card bill installment and commodity installment for young people, so that users can enjoy more convenient, flexible and efficient installment life services.

Extended information: Huanbei APP is a credit service platform based on multiple scenarios of life consumption, which officially entered the market in February 2016, mainly providing young people with a variety of services such as bill installment, credit installment, cash installment, installment** and so on. Users can enjoy more flexible, convenient and efficient installment life services in scenarios such as shopping, consumption, and repayment. There are more than 65 million registered users of the Huanbei app, providing reasonable credit services for more than 10 million users, and helping "upward youth" achieve small goals in life.

In terms of risk management, it is mainly through the combination of data, technology and finance, scoring users in the form of "rules + scorecard", and improving 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 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.

On July 24, 2020, the Ministry of Industry and Information Technology released a list of apps that infringe on users' rights and interests. There is also an infringement of the rights and interests of users. [10] According to the notice issued by the Ministry of Industry and Information Technology on August 19, 2020, Huanbei has completed rectification.

Recently, the company of Shuhe Technology has released a new and upgraded brand visual image. The latest brand visual image of Huanbei is named Huanxiaobei, which reflects its bloodline as a member of the intelligent system of Shuhe Technology with an intelligent small square shape, and the antenna in the shape of the head money conveys its financial and technological attributes. Also Xiaobei has three different forms of daily, flying and working, and the app has been upgraded at the same time, standardizing the use of fonts to reflect financial formality, and the color use focuses on the color sense selection of visual comfort, and increases the dynamic interpretation.

It is a microfinance institution, and the company is called Chongqing Focus Micro Loan, and Shanghai Shuhe Information Technology provides technical services. After the user passes the review, he can borrow within the limit. Huanbei APP is a financial product that provides bill installment, commodity installment, and recovery limit for young people, and provides low-interest installment repayment.

Extended Materials. 1.Also a brief introduction.

Huanbei is a software for repaying credit cards, which is a credit loan company under Minute Media and has credit loan qualifications. Repayment of credit card is actually on the platform for credit borrowing, the loan interest rate is higher, the annual interest rate is between 12%-24%, if the borrower is qualified, the amount of borrowing will be higher, and the interest on repayment will also be preferential, suitable for emergency use.

2.Is this still a regular operation?

From the perspective of the platform background, Huanbei is a financial company under the listed company Minute Media launched a software to repay credit cards, applying for a loan credit card on the repayment is actually a loan, the company has credit loan qualifications, and the financial strength of the listed company is relatively strong, and the platform background is formal. From the point of view of the loan amount, the credit card repayment limit is limited, and the maximum amount can be repaid on behalf of 30,000 yuan, although the amount is not high, but it also meets the requirements of the credit card repayment. From the perspective of loan interest, Huanbei is similar to other online loans, and the interest rate of the loan is relatively high.

Although the official claim is that the minimum monthly interest rate for repaying a credit card is equivalent to 6% per annum, it is almost impossible to apply for such a low-interest loan, and the requirements are extremely strict. If an ordinary user is repaying the loan, the loan interest is between 12% and 24%, which is the most commonly used interest rate range for online loans. Compared with the bank, the interest rate is relatively high, so it is not suitable for long-term use.

From the point of view of borrowing costs, there is no service fee for repaying credit cards on the repayment platform, and the amount applied for is the amount of credit card repayment, and no other fees will be charged. In general, Huanbei is a regular online platform for repaying credit cards, but the interest used is also very high. It is not suitable for users who want to borrow a high amount and a longer period of time.

If you have a small amount of money to deal with emergencies, you can choose it.

Operating environment: Huawei nova

Huanbei APP is a product of Shuhe Technology, and it has been publicized together with the Anti-Fraud Center, so it is safe to choose to repay the borrowed money. Moreover, it is customer-centric, and on the basis of providing financial services to users, it can meet the diversified consumption needs of users, so it will be more flexible and convenient to use.

From the company's qualifications and shareholder background, it is quite formal, before the CBRC has investigated and dealt with most of the incomplete qualifications and non-compliant small platforms, Shuhe has been established for 7 years, according to official disclosure, Shuhe has recently joined forces with Chongqing, Fujian and other regulatory authorities to carry out anti-fraud activities. Shuhe pushes the service concept of "good borrowing, good repayment" on its own platform, and the products are more intelligent and the service is more humane, "both easy to borrow and good to repay", so that users dare to borrow and borrow with confidence.

Summary. Hello, the main operating entity of Huanbei is Chongqing Focus Micro Loan****, which is a wholly-owned subsidiary of Shuhe Technology.

It is understood that Huanbei provides loans of up to 200,000 yuan, and users can borrow money, credit card bill installments, shopping installments, etc. within the limit, and the amount can be recycled. In addition, you can also borrow 10,000 yuan with a daily interest rate of 2 yuan, and the credit card bill installment support period is flexible installment.

Hold on. Hello, the main body of the operation of the reputation is Chongqing Baolao City Focus Small Loan****, which is a wholly-owned subsidiary of Shuhe Technology. It is understood that Huanbei provides loans of up to 200,000 yuan, and users can borrow money, credit card bill installments, shopping installments, etc. within the limit, and the amount can be recycled.

In addition, Qingxian also borrowed 10,000 yuan with a daily interest rate of 2 yuan, and the credit card bill installment support period is flexible installment.

Huanbei is a credit card bill installment app jointly operated by Chongqing Microfinance Company, a licensed financial institution, and Shanghai Shuhe. Nowadays, young people are accustomed to spending in advance, but they always plan to catch up with the change, borrow money through credit cards or other channels, and do not want to affect the credit, at this time, the launch of the Huanbei app can become the savior of this kind of people, not only can pay off the credit card smoothly, but also relieve economic pressure.

1. What is return?

On or before the credit card bill payment date, the user borrows money from the repaying bank to repay the card bill, and then repays the outstanding loan by the next month's repayment date. If you don't want to accept the handling fee and interest of credit card installment, you can repay the loan, and after borrowing, you can pay off the credit card bill in low-interest installments, and then recharge the loan every month. If the repayment is made in time, it will greatly promote personal credit, and it will be very convenient when you apply for a loan next time.

In addition, the convenience of repayment lies in the fact that the loan interest rate for repayment is lower than the loan interest of the bank, and there is no additional handling fee. When you are struggling with funds and cannot pay off your credit card bill in one go, you can try to repay your credit card with a repayment loan, and there is no problem with security.

II. How to inquire about personal credit information.

1. Bring your ID card or the principal's ID card and power of attorney to the credit window of the People's Bank of China where you are located to provide your ID card to print your personal credit record.

2. Open the official website of the Chinese People's Credit Information Center, register an account with your mobile phone number and ID card, submit an application for checking personal credit information records in the personal inquiry column, and usually the mobile phone will receive a query code from the credit information center within 72 hours. Open the official website of the Chinese Credit Information Center again to register an account, enter the SMS inquiry code in the personal inquiry bar to access personal credit information, and generate a PDF document ** at the bottom of the page to save.

To sum up, if the user needs money urgently, he can choose to repay it excessively, but he must repay the loan on time, otherwise it will affect the credit investigation and cause adverse effects.