First of all, we want to know whether the payment points can be used to make loans, then we need to know what it means. Payment points are points calculated from a comprehensive evaluation of an individual’s identity characteristics, payment behavior, etc. The higher the user’s score, the more benefits they can enjoy. At present, the service has been connected to the merchant. When users use the products of the merchants that cooperate with the payment, the scores will change. For example, when users rent shared power banks, shared umbrellas, shared bicycles, and order hotels in the mall, if the score meets the conditions, then the user can have the opportunity to enjoy the convenience of exempting deposits, using first and paying later.
WeChat payment points are a tool for WeChat to assess users' personal credit. In fact, there is no amount of money used. The nature of WeChat payment points is equivalent to Zhima credit points and Xiaobai credit points. The main reason is that Tencent accurately divides the credit of individuals through the relevant data of WeChat payment. It is free to activate this service. If you see a small advertisement about the paid activation and payment points on the Internet, you can simply ignore it. If the user wants to check the personal payment score, he only needs to open the WeChat wallet to see it.
From the above content, we can know that WeChat payment points cannot be used to make loans. It can only be exempted from the use of deposits in the products of merchants that cooperate with the platform, or exempt from hotel deposits, and cannot be used to borrow money. If you need working capital, you can choose the micro-loan product in WeChat, which calculates interest based on the number of days, and the interest rate is between 0.02% and 0.05%, which can be borrowed and repaid. As long as the credit is good, you can get the quota. However, the payment points will affect the amount. If you want to get a high amount on , you can increase your personal payment points.
It should be noted that after you use the rental product through WeChat, you must fulfill the contract on time. Otherwise, the payment points may be reduced.
So what is the use of WeChat payment points?
WeChat payment points can only be used in certain scenarios.However, as far as the current situation is concerned, WeChat Pay Points can help users waive product deposits. For example: Take the shared power bank on the street as an example, if the user's score reaches 550 points and above, they can enjoy the convenient service of exempting rent. However, payment points, as personal consumer credit points in WeChat, believe that in the future, its use will become more and more comprehensive.
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