I was deceived of 2,680 yuan, saying that it was to help me apply for a micro loan

WeLoan is an Internet microfinance product launched by Tencent WeBank. WeLoan currently adopts an official invitation system, and invited users can see the "WeLoan Loan" entrance in the [QQ Wallet] of QQ on their mobile phone and the "WeChat Pay" on WeChat. For the time being, there is no other way to force the opening of WeLoan, and users are not supported to apply for opening.

As a formal loan, WeLoan does not charge any pre-loan fees. In addition, in the process of using WeLoan, except for loan interest and overdue penalty interest, WeLoan does not charge any other fees, and there is no handling fee for early repayment.

Therefore, once you encounter financial fraud by impersonating a formal loan company, charging fees on private social accounts, etc., you must be vigilant and not gullible.

If you are temporarily unable to open a micro loan, you can also consider other reliable big brands, such as Alipay Borrowing, Du Xiaoman Finance, etc. Money is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

It is to be repaid, and it will not be sued for credit. If you are scammed, it is recommended to call the police.

Extended Materials. What are the consequences of overdue credit cards.

If the overdue degree reaches a very serious state, then it will constitute a malicious overdraft and will be convicted of credit card fraud. The sentencing standard will be implemented according to the amount of our malicious overdraft, which is not more than 5 years, not less than 5 years but not more than 10 years, and more than 10 years in prison or life imprisonment, and will be fined between 20,000 yuan and 200,000 yuan, and between 50,000 yuan and 500,000 yuan and confiscation of property.

If your credit card is overdue more than 6 times in two years, you will not be able to apply for a CPF loan. If we are overdue once or twice for a short time, we may be able to save it, but if we are overdue three times in a row within two years, then our CPF loan will not be available to us. Because when dealing with credit business, banks or provident funds mainly rely on the credit history of the lender in the last 2 years.

Therefore, those cardholders who want to apply for a provident fund loan to buy a house must repay the loan on time when using a credit card to spend.

If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to take out a loan to buy a house have been overdue, and their credit has a bad record. In this case, if you apply for a business loan, most banks will raise the benchmark interest rate by at least 10% because of your credit problems.

Obviously, the cost of buying a house will increase significantly, and if we are overdue a lot and severely, then you will be rejected by the bank outright. Therefore, when using a credit card, considering that we still have plans to buy a house in the future, we must not be overdue.

Every bank credit card has a certain grace period for repayment, and repayment within the grace period will not be recorded on the credit report. The grace period for credit card repayment at most banks is 3 days and does not require an application to be automated. However, some banks have special repayment grace periods, as follows:

1. Bank of China:

The grace period for repayment of Bank of China's Credit Platinum Card is 9 days, and the grace period for other credit cards of Bank of China is 3 days.

2. Japan Post Bank:

The grace period for repayment at China Post Bank is 4 days.

If you want to pay it back, it will not affect the credit report, and you can call the police to see if you can recover the money you have been cheated of.

After being defrauded, you need to keep all the evidence, and then call 110 to report the case and inform the police of the evidence and the deception. If the amount of money deceived is small, the means of ** should be published on the Internet, and no more people will be deceived.

WeLoan adopts a user invitation system, and invited users can see the entrance of WeLoan in the QQ wallet of QQ on their mobile phone and the WeChat wallet of WeChat, and can get a maximum loan amount of 300,000 yuan. Most of the personal loans provided by traditional financial institutions require the borrower to provide collateral and other guarantees, and it is difficult for individual users who cannot provide guarantees or do not have fixed assets in their names to obtain loans. "Micro Loan" does not require collateral and guarantee, and does not need to submit any paper materials, which can better meet the small financing needs of users with good credit.

It is precisely because of the special opening mechanism and simple handling procedures of WeLoan, that ** will commit fraud through WeLoan. The borrowing amount and opening method of Micro Loan can only be approved by the government. Users and other channels cannot be opened and raised, and ** will generally let users transfer money first, and the first transfer of money is all false information.

As long as the user is asked to transfer money first, it means that the other party's goal is very clear, that is, the money in the user's pocket. When encountering such **, the first thing to do is to block and take a screenshot of the chat history, and then report the user.

1. Click to enter "My Wallet".

2. Then click ".." in the upper right corner

3. Click "Transaction History", the transaction history will list all the purchased products, find and click on the Nabi transaction you want to apply for a refund.

Legal analysis: After discovering that you have been defrauded, you should report to the police as soon as possible and let the public security organs intervene in the investigation. Gather as much evidence as possible of being scammed.

For example, save and take screenshots of chat records, keep information records of remittances and transfers, and take screenshots of online loan platforms. If it is found that there are people who have also been defrauded, they can form an organization with these people to jointly defend their rights, and the strength of the people is greater, which is more conducive to recovering the defrauded money.

Legal basis: Article 266 of the Criminal Law of the People's Republic of China: Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.