College students' campus loan fraud

special subject

I believe that installment shopping falls into the usury trap.

At the end of August this year, Tan Xiao, a college student who returned to school after the epidemic, planned to buy an electric car as a means of transportation. After several selections in the off-campus electric car store, Tan Xiao finally took a fancy to a 4000-yuan electric car, but he was helpless. After a long time, he still couldn't make up his mind.

Seeing this, the shopkeeper told Tan Xiao that the store supports installment purchase, and a few hundred dollars a month is enough. However, the owner did not tell Tan Xiao that the staging service provided by the store was not the staging service of the store, nor did he tell Tan Xiao which company provided the staging service. Due to lack of consciousness and social experience, Tan Xiao agreed to the owner's proposal after a little communication.

Choose regular products with clear charges.

In recent years, campus loans have infiltrated into businesses around campus, and criminal suspects have used the characteristics of college students' love for money and weak awareness of risk prevention and control to induce students to make loans.

According to the analysis of credit experts of Guangfa Credit Card Center, Tan Xiao encountered a typical campus routine loan, and the online loan platform set a trap with low interest or even zero interest and low installment interest rate to attract inexperienced college students step by step. But in fact, the capital cost of online lending platform is not low, and the annualized interest rate of some products can even reach about 25%. At the same time, there are many "tricks" hidden. For example, some platforms will charge management fees, service fees, insurance fees and other fees. Once the installment payment is overdue, there will be various late fees, liquidated damages and other expenses. These charges will not be made clear to college students in advance. Therefore, experts remind that college students' loans must see all kinds of charging terms clearly.

In addition to regular loans for daily shopping, there are campus loans such as "business loans", "study loans" and "training loans". Then, if college students have loan needs, which channels can they choose? Credit experts at GDB Credit Card Center suggest that students should raise their awareness of risk prevention and control, spend rationally, and be wary of behaviors that need to provide sensitive personal information. At the same time, when choosing credit products, you can choose formal products supervised by the CBRC, such as bank credit cards. At present, some banks have launched credit card products specifically for college students. The use of such products not only allows students to enjoy the convenience of credit consumption, but also accumulates credit records in advance, laying a good foundation for larger-scale credit consumption in the future. For example, Guangfa Credit Card has launched the Faner Card, which is specifically aimed at college students' daily credit consumption. Overdraft can be made online and offline anytime, anywhere, and the longest interest-free repayment period is 50 days.

Credit card experts also remind students that in the face of endless "campus loan" scams, the majority of young students should earnestly raise their awareness of prevention, establish a correct concept of consumption, make consumption plans according to their own economic conditions, and rationally arrange their living expenses. If you really need to apply for a loan, you must communicate with your parents first, carefully evaluate your repayment ability, and apply for a loan business from financial institutions such as regular banks.