Another smart repayment APP has run away!
Hunan Satellite TV City Channel reported the information that the smart repayment APP "raised" and ran away. It is reported that a large number of agents lost blood and the police have been involved in the investigation.
In recent years, news that illegal payment platforms such as card-free payment APP, smart repayment APP and overseas POS have been seized will land in the official media every three to five times.
The most sensational event was that in 20 18, the "one brother" cloud payment without a card was smashed, and the cloud payment team 1 1 person was arrested, involving17.9 billion yuan.
Although the attitudes of different companies are different, the casualties of users and agents stepping on thunder are unified.
Huge profits, violations, greed, ignorance, and the human blood steamed bread swallowed by the financial giant whale fully explain.
1. Nothing new under the sun.
Profiteering is an eternal theme.
Marx summed up this problem with great concentration more than one hundred years ago.
Why are illegal payment platforms such as card-free payment, smart repayment and overseas POS repeatedly banned and endless?
The entry threshold is low and the profit is attractive enough.
Register a company, develop or buy a set of software, connect several payment channels, and the shelf will be set up.
The rest is to sell and wait for the chance to run away.
This is a bit like P2P and anti-aircraft gun online lending. P2P and anti-aircraft guns can buy one or more sets of apps and backstage, and then buy a blacklist database, so you can cook.
The difference is:
P2P and anti-aircraft gun loans mainly rely on buying network traffic to get customers, and making money by running roads and violent collection;
Illegal payment depends on layers of agents to get customers, and makes money by agency fees, rolling money and stealing brushes.
2. Disassembly of the routine
There are three main ways to cheat money: payment without card, intelligent repayment and overseas POS:
agency fee
abscond with the money
Steal a brush
Card-free payment and intelligent repayment have developed to today, and most of them are combined into one.
The logic of dismantling agency fees-
This kind of APP did not intend to develop real payment users from the beginning.
Its core logic of making money is agency fee.
First, there will be many levels of agency, and the agency fee will be high.
Top agents generally need hundreds of thousands or even millions of agency fees, and entry agents generally need hundreds of thousands of agency fees.
Second, the superior agent develops a subordinate agent, and the agency fee ratio is very high.
For example, the first-level agency fee is 500,000 yuan, and the second-level agency fee is 300,000 yuan.
The first-level agent will develop a second-level agent, and the agency fee will be raised by 60%.
Then every time a first-level agent develops a second-level agent, it can earn 1.8 million.
Third, this "high commission" pyramid scheme must be matched by a high credit card share.
In this mode, the distribution ratio must be high enough.
Divide it into 200 thousand and 30 thousand at every turn.
Why do we have to set the profit above?
Because the cake needs to be painted big enough, it is not easy to get an agent if it is not painted big enough.
The logic of operating funds has been broken-
Many smart repayment apps may not be ready to run at first, really.
But every smart repayment APP has a critical point of operation.
This depends on the specific value of the actual controller's resistance to the temptation of funds:
1 billion, 500 million, 1 billion, 1 billion?
Give a few examples!
Smart repayment APP business process:
Users download and register the smart repayment APP；;
Tie your credit card in, and give it to the platform with the expiration date, name, CVV2 security code, payment password and bound mobile phone number;
The platform writes all the information of the cardholder into the database;
Then the user can set the daily swipe time in the APP, or choose the default (intelligent) selection of the platform;
When it is time to swipe the card, the platform will take the user's information and swipe the merchant in the cooperative payment channel;
The whole payment process is not without payment password! ! !
Instead, the platform records your password and enters the payment password "instead of you" every time you pay.
Then according to the platform settlement time, the funds after deducting the handling fee will be returned to the bound credit card.
Always like this, always like this.
These are also some conscientious agents. After discovering that his agent's platform is running away, he will inform his friends who have been dragged into the pit in the circle of friends-the reason for changing the payment password and reporting the loss.
When there are more and more platform users, as a platform of Qing Er, more and more funds will be deposited in its platform account.
This unregulated money has been tempting platform controllers-
Dude, roll up the money and run!
The logic of stealing brushes—
Whether it is smart repayment or overseas POS, it is not subject to maternal supervision.
The consequence of not being supervised is that your card was passed by him once.
It becomes a transparent card.
All the information on the card surface and the card password will be stolen (bright) and saved (bold).
This secret information,
Can be sold on the black market,
It is also possible for the platform to change hands and operate directly.
Finish stealing brush!
3. Greedy games, ignorant tuition fees
The routine of agency fees, when the first and second generations are hooked, are mostly as clear as a mirror.
What they play is that they can pull more "offline" before the platform runs.
They don't even think about making profits by developing "credit card users".
Money is too slow!
They are used to eating human blood steamed bread with various routine platforms.
But you often walk by the river, how can you not wet your shoes!
Sometimes, the platform slips away before the agency fee is earned back.
At this time, these head agents who know this way will report the case in groups, find media exposure and so on.
The race between the head agent and the platform is a game between the greedy and the greedy, and they are willing to lose.
What is really pitiful is the cardholder who actually developed by the lowest-level agent and used the platform APP.
Most people who need to use smart repayment software are on the verge of debt bankruptcy-their monthly income can no longer pay off their credit cards, or even their monthly bills after installment.
Under the advertisement of "5% retention limit can pay off 100% debt".
This group of people seems to have caught the last straw.
I used it for a month and I am very satisfied!
Then become fans and promoters, and promote friends around you to use "artifacts".
Suddenly one day, the platform did not repay the money as scheduled, but deducted the money as scheduled.
He ran to the agent, who told him that the platform had run away and was cheated by XX million.
And share the same enemy with him, and swear to report the case to the end.
Three months later, I represented him on WeChat: Brother, I represented XX Zhihuai, and this 100% is reliable.
Credit card wisdom or something? What does it have to do with Yi Zhi?
Credit card wisdom must also look at the payment channel. If the channel is unstable, the card will be blocked and the information will be leaked. This easy intelligence should also belong to a software, which is just one of these hundreds of large and small apps. Although there are no laws and regulations at present, this software is effective in relieving the pressure of cardholders and reducing the burden on banks. However, you have to see whether the payment company behind him is formal and whether there is a payment license issued by the central bank. At present, only 6/kloc-0 third-party payment companies have formal licenses, and there is also a payment company with its own independent software. Others are cooperative software, and some software is simply OEM. The security risks are self-evident. During this period, due to the high debt ratio, this kind of software has gone a lot. And I have screened a lot of software, but at present, most of the software can be missed, and there are very few really safe ones. This is a long-term matter and must be carefully screened.
Ding Dong or something?
1, or what?
Ding Dongzhi is also a smart credit card repayment software. Its main function is to let you pay off all the bills with 5% credit card limit, which is equivalent to 95% of each credit card limit. If you have a credit line of 6,543,800 yuan, you can freely control 95,000 yuan. You only need to pay a small handling fee every month.
2. What is the repayment principle of Ding Dong Zhi?
In the use of credit cards, there are two very important dates, a billing date and a repayment date, which are generally about 20 days apart; For example, if my billing date is the 5th, then my repayment date is generally the 25th. On the accounting day, my bill for last month came out (current bill). As long as I deposit the bill amount before the repayment date, I will get the full repayment. I can deposit this bill in one lump sum, 10 or 20 times. If you spend the money saved during this period, it will be added to your next bill, which will not increase your current bill. Therefore, if there is a limit of 5% in the card, Ding Dongzhi will automatically draw out this 5% and deposit it again, repeating 19 times to complete your full repayment. After the intelligent operation is completed, the current bill is paid off in full, and the next bill is 95% of the credit card limit; In this way, keep pushing back.
For example:
If I have a credit card with a limit of 10000 yuan and I swipe it for 9500 yuan, then my current bill is 9500 yuan on the fifth billing day, which I set with wisdom. During May-25th, I set up a purchase of 19, and I paid Ding Dong Zhi's repayment fee, and Ding Dong Zhi also helped me to make repayment automatically, so my bill equivalent to 9500 yuan was divided into 60 points. At the same time, because I spent 19 times, each time the amount was 500 yuan, so my bill will become 9500 yuan next month. You can use Ding Dong paper again next month.
So, it's not that you don't have to pay back the bank's money, but you can pay it back as long as you have money, and you can pay it back if you want. If you don't want to pay it back, I'll help you put off this month's bill until next month.
3. Is it safe to use Ding Dong Wisdom?
For customers, there are two kinds of security, one is capital security, and the other is card security.
First of all, the funds are safe, which means that the card I tied to Ding Dongzhi will not be stolen by Ding Dongzhi. Ding Dongzhi also cooperates with Pacific Insurance Company. Every Ding Dongzhi user is bound to Ding Dongzhi, and every card is underwritten by Pacific Insurance Company to ensure the safety of each user's funds. You can check it in the background, or you can call Pacific Insurance Company to check it yourself.
Third, the card is safe. Kaan is the docking of channels. Ding Dongzhi also has strong strength and background. At present, Ding Dongzhi has also carried out strategic cooperation with the fourth largest payment company in China to provide users with a fast and safe payment product experience.
Every bank has credit card points, which can be exchanged for gifts, equivalent to money. If the bank doesn't charge a handling fee, then the bank will definitely not give you points. If the bank gives you points, then the bank will definitely charge a handling fee.
We can check the bill, and every consumption has points, so every consumption can be repaid through Ding Dong Zhi, and the bank has received the money that should be collected, without touching the bank's cheese, so our credit card is absolutely safe.
4. What is the impact of using Ding Dong Wisdom on banks?
First of all, we need to know that the bank sends you a credit card, not for charity, but for making money. If you use up the limit of a card and don't pay it back, although you have become a black account, it will affect your credit and life, but it is not good for the bank. If you become a black account, it still won't receive a penny, so turning you into a black account is not the purpose of the bank, but a way for you to pay back the money.
But for many people who are short of funds, the pressure of credit card repayment is high, the cost of bank collection is high, and there are many bad debts, so banks can't deal with these users.
If Ding Dongzhi is used to repay the loan, although the bank has not recovered the principal, it can earn some fee income every month. Therefore, banks are most afraid of bad debts and dormant account, and Ding Dongzhi just solved this problem.
The essence of finance is the circulation of money. Ding Dongzhi really achieved the circulation of money and helped the bank solve the trouble.
5. Why can I use Ding Dong Wisdom to increase the quota?
First of all, banks make money by charging a handling fee for each consumption. Therefore, the bank is to give money to everyone.
Then the bank will choose who to give the money to. Banks will give money to people who have the ability to spend and repay.
If the bank gives you a credit card, you will never use it or seldom use it. First, because you don't spend, the bank can't make money. Second, it is useless to give you a credit card, so the bank will not give credit cards to these people.
Then, if I spend a lot of money every month and repay it in full every month, the bank also earns the money I should earn, and I also have the ability to repay, so the money the bank gives me is valuable, so the bank is certainly willing to give me money and will definitely give me a quota.
Moreover, with Ding Dong Zhi's repayment, the bill will be beautiful, and all the plans are made under the bank's withdrawal standards. And you have to spend a lot of money every month and pay back in full, so using Ding Dong smart repayment will make the amount much faster.
6. What are the traditional credit card repayment methods? What are the advantages of Ding Dongzhi compared with these kinds?
Usually, we use credit cards. On the repayment date, there are the following repayment methods. The comparison is as follows:
7. What are the advantages of Ding Dong Zhihui and other similar platforms?
First of all, the price of Ding Dong Zhihuan is the most competitive in the current market.
The bank gives you a credit line in order to earn your money. If you don't receive a penny today, the bank will definitely reduce your credit limit or seal your card, which will make it unsafe to use it. An important difference between Ding Dong Smart and other repayment software is that the points are used to prove whether the bank has received the money, and only when the bank receives the money it should receive will it give you points.
Thirdly, Ding Dongzhi is an intelligent repayment software company based on mobile Internet thinking and promoted by community marketing. Traditional companies generally charge agency fees, which leads to slow fission and slow money making, while we don't charge agency fees and are down-to-earth users.
Finally, we adopt the free mode. The Internet world can only grow bigger if it is free. It is precisely because we are a free model, adopting the online and offline community fission method, and through the brand-new standardized process gameplay and drainage scheme, everyone can perform it, and everyone can make the multiplication fission miracle happen! We are fully confident that Ding Dongzhi will become the first in the industry within six months!
Products are the same, how to sell products is very important!
8. Why should we promote Ding Dong Zhi Hui?
At present, China's per capita debt has reached 654.38+ 10,000, the post-90s per capita debt is as high as 200,000 yuan, and the outstanding personal credit is 5.8 trillion yuan. 1/kloc-0,000,000 credit cards, and 60% of people said that they had repayment pressure. These data show that solving the problem of credit card repayment has become a rigid demand of ordinary people. Let's take a look at the top companies that make the most money in China. The top 10 companies are all banks, and 9 companies are all related to finance. This shows that this market is not only just needed, but also huge.
At present, only 1% of all credit card users use this intelligent repayment software. Therefore, in this industry, unicorn enterprises are bound to be born. At present, there is no real big company in the whole industry to build such a platform.
Ding Dong Zhihuai, a product with product thinking, user thinking and mobile Internet thinking, has strong capital from the beginning. Starting from truly serving users and solving user problems, aiming at listing, we will definitely have the opportunity to become a unicorn enterprise in this industry!
We use a brand-new social marketing method. You just need to form a team today, and it will split automatically. Just like Didi and WeChat, there is almost no after-sales service. It can be said that once and for all, you can get real pipeline income, and your monthly income will continue to rise, so you have to buy it again every month. If you don't let him buy any more, he will still be in a hurry with you, because you have to let him use 10 for problems that could have been solved by tens of dollars.
Ding Dongzhi also rebelled against the traditional agency mode, and adopted the free agency mode, with a maximum of 33 1, without any harm. He really helped people around him to solve problems and would not be resisted by anyone.
If you can use such an intelligent repayment expert to help your friends and customers solve the money problem, you can not only make money, but more importantly, make those contacts move! Once a person pulsates, there will be endless possibilities, because everyone will trust the person who can help him solve the problem!
Low investment, safer, simple and efficient, activate contacts, help customers solve problems and make money! Moreover, it does not conflict with all industries and can be superimposed and integrated.
There is really no reason not to choose such ding-dong wisdom!
9. How to participate in Ding Dong Zhi Hui?
Ding Dongzhi also has two identities: one is a member, registered for free, and the other is a VIP, with a lifetime of 33 1 yuan. He can use the intelligent repayment function and share the benefits. With the increase of the number of community users, they will automatically gain a higher level of recognition and enjoy higher rights and interests.
10, how can Ding Can Dongzhi still make money?
As long as you become our member, you can make money, free of charge, and 33 1 can start a new life.
Our income comes from two parts, one is the spread of repayment fee, and the other is the reward of sharing and promoting VIP.
explain
N If you are a member, you can recommend three people to repay the loan every day, with a monthly limit of 50,000 yuan per person. Your income is:
33.05 million yuan 10 yuan/ten thousand yuan = 4500 yuan.
Just a free member, share it with three friends every day, and your three friends are also registered for free. Help these three friends solve their problems, and you will earn 4500 yuan a month. If the repayment amount increases in the second month, your income will also increase. You continue to share 3 people every day, and you can easily break 10,000 in one month!
N If you are a VIP registered at 33 1 yuan and share 50 free registered members, you will be promoted to Jinshi level and enjoy the rights of 0.59% rate and 30% income. According to our community marketing method, if you promote the registration of 100 VIPs a month, and each person recommends one person, you can earn 20% difference, that is, 66 yuan.
The average monthly repayment of these 200 people is 50,000 yuan, with an average spread of 0.08%. Your income is:
Recommended income:1009910066 =16500.
Repayment spread income: 200500008/ ten thousand = 8000.
The total is 24,500 yuan.
You only need 33/kloc-0 yuan, and your handling fee is cheap. By the way, easily earn more than 20 thousand a month!
N If the population fission reaches 5,000 after 3 months, the income is not recommended, only the spread is recommended, and the average spread is five ten thousandths.
5000500005/ ten thousand = 125000
Earn more than 100 thousand a month easily, divide it every month and earn more and more!
N If your ability is average, but you directly recommend a person with strong ability, she can make a team of 5,000 people by herself, and you do nothing, your spread is110000:
500050000 1/ 10,000 = 25000
Do nothing, directly recommend 1 person, with a monthly income of more than 20,000! If you can recommend a few people with such a team and strength, the monthly income will easily exceed 100 thousand!
This concludes the introduction of credit card smart payment and credit card smart payment. I wonder if you found the information you need from it?