What are the disadvantages of opening a change pass, and is there any harm in opening a change pass

Open Coin Pass.

The main disadvantage is that there is a risk, and if the user feels that he can take the risk, he can deposit the money into the change pass.

If you feel that you have the currency corresponding to the change pass**.

If the rate of return is not ideal, then it can also be replaced with other financial products.

There is a certain amount of risk.

Since the issuance of the renminbi by the People's Republic of China, it has lasted 71 years, and with the development of economic construction and the needs of people's lives, it has gradually improved and improved, and has issued five sets of renminbi so far, forming a multi-variety and multi-series monetary system such as paper money and metal coins, ordinary commemorative coins and commemorative coins.

In August 2020, the People's Bank of China released the "2020 RMB Internationalization Report", and in 2019, the amount of cross-border RMB receipts and payments by banks on behalf of customers was nearly 20 trillion yuan, a year-on-year increase, and the amount of receipts and payments reached a record high. The renminbi has become the world's fifth-largest payment currency and fifth-largest reserve currency.

As we all know, WeChat Change Pass is a change financial management service, which is a current financial management business launched in WeChat wallet, similar to the Yue Bao on Alipay. Depositing money into Coin Pass is equivalent to purchasing a currency** product. So, what are the disadvantages of opening a change pass?

When a user deposits money into Coin Pass, they are actually buying a currency on WeChat's platform**. Although currency ** is one of the low-risk wealth management products, currency ** does not guarantee the principal and does not promise a minimum return, so there is a possibility of loss. Therefore, the disadvantage of the change pass is mainly that there is a certain risk, after all, the money is placed in the WeChat change, which will not produce any changes, and put it in the change pass, although there is interest, but the user needs to bear the investment risk.

In general, the main disadvantage of opening a change pass is that there are risks. If the user feels they can take the risk, they can deposit their money into Coin Change. If you feel that the rate of return of the currency ** corresponding to the change pass is not ideal, then you can also change to other **currency ** products managed by the company.

It is necessary to open it. If the investor has a lot of WeChat change, it is recommended that the investor can open it. After the opening of Coin Pass, investors can transfer money from Coin Pass to Coin Pass, which will not affect the use of investors' funds, and can also bring a little income to investors.

Users can use the money in the change pass directly for consumption, such as transferring, sending red envelopes, scanning QR codes to pay, and repaying credit cards. At the same time, when the funds are placed in the change pass and are not used, you can automatically earn income.

There are benefits to opening the change pass, our money will have interest if it is stored in the change pass, and if it is not opened, there will be no interest, so put it there.

The disadvantages of opening this are as follows:

1. If it is transferred from the change to the change pass, it is impossible to transfer it out to the bank card, only to transfer back to the change, and from the change to the bank card, each person has only 1000 yuan free withdrawal quota for life, and after exceeding the limit, the service fee needs to be charged according to the cash, the lowest per transaction. For example, Alipay can be transferred to Yu Libao, or MYbank, and then transferred to a bank card, and you can be free of handling fees.

2. The main function of WeChat is still social, but the financial function is attached to the social network, many people often chat on WeChat, share various links, and it is easy to click on the virus or phishing** accidentally, which is easy to generate capital risks. In addition, if some friends often add strangers as friends in the group chat, after being reported, they will be restricted from logging in, and serious ones will be banned from the account.