Most people live on their parents' living expenses. If you are not careful, you will get more and more loans. If you don't pay, it will be borne by your family! ! Let the last family be ruined everywhere. So! ! ! ! Stay away from online loans! ! !
Why is there a campus loan?
In 2009, China Banking Regulatory Commission stopped banks from issuing credit cards to students, which provided more and more space for college students to shop by stages and obtain loans. Security Jun believes that it is a choice to help students, reduce the family burden, or solve the problem of insufficient funds faced by college students in the process of self-improvement and innovation and entrepreneurship through reasonable capital flow. However, due to various reasons, such as poor supervision, uneven professionals in the industry, and distorted consumption concepts of college students, campus loans are chaotic.
Many girls who are held in the palm of their parents' hands at home and care for their growth wholeheartedly with love have left adults, have not fully stepped into society, and have not even learned to be independent, thus blocking their youth and life on an evil road with no turning back.
In the impression of the world, "selling yourself" has always been an extremely serious and desolate thing. A person can only take this difficult step if he is at least in a situation of "bullies chasing debts, parents dying and rich family".
In many serious literary works, prostitution is endowed with a pitying tone. The appearance of the "naked woman loan incident" broke the serious and sad tone of "selling oneself" since ancient times. What is a "naked strip"? It's a private loan for female college students.
Generally speaking, when borrowing money, the borrower takes a nude photo of his ID card instead of an iou. In the event of default, the lender forces the borrower to repay the loan by exposing nude photos and contacting the borrower's parents.
The illegal and stupid thing of "naked strip" has long been exposed enough. Why do so many naive people jump into this pit regardless of their reputation?
What are the routines and hazards of campus loans?
1, the more you borrow, the more you can't stop. Generally, the loan amount is not high, but it will make you borrow more and more, and you can't stop.
2. Do you think "zero threshold" and "no guarantee" are what you think?
Tucson's pattern is broken! Before borrowing money, criminals use attractive words, in fact, they want to use the student's identity information as collateral. These personal information may be used for telecom fraud, credit card fraud, etc. I believe that everyone has more or less heard of the dangers of information leakage in this era.
3. Do you think these platforms only charge interest?
Don't! They will also charge huge fees far higher than the principal and interest of the loan in the name of handling fees, penalty interest, service fees, liquidated damages, late fees and dunning. When these loan companies sell their business to college students, they often don't tell them in detail the calculation methods of loan interest, liquidated damages and late fees. , leading to some inexperienced, weak self-control and eager to spend college students (commonly known as stupid people, not much money) being cheated. No, you do the math:
4. Debt collection is ubiquitous.
If the repayment is overdue, there are various ways of debt collection. In order to alleviate the tension at hand, some students will choose to rob Peter to pay Paul, which will easily turn into a situation of "rolling more and more". Individuals can't bear the pressure, are on the verge of collapse, and may even lead to tragedy. There will also be girls who choose "naked strips" to pay their debts. No matter whether the repayment is made or not, the nude photos of these girls may be spread, and some illegal organizations have derived gray interest chains such as "meat return" and naked information trafficking.
After nude photos, friends around you will receive harassing text messages.
This is another question about reputation, but for women, gossip can kill a person. If you make one wrong step, you will end up in chains.