Today, wechat payment has launched a new function, payment sharing, which is called wechat payment. In addition to the function of paying first and then paying back, payment sharing also supports daily interest. According to wechat, if 200 yuan is used for one day, the interest is only a few cents a day, so it's almost useless to round it up.
The function of wechat payment hasn't been fully launched yet. Some netizens have enjoyed this function in advance. It sounds like an opportunity to collect Tencent's wool, but young people are still taking it easy.
Wechat payment is in cooperation with micro credit. When wechat payment is opened, an option "sub payment" will pop up on the cashier's desk. Click this option to display "micro credit". You need to sign an authorization credit;Agree to show the amount you need to pay, that is, the money you need to borrow through the "micro loan" and the interest generated。
In essence, wechat's payment sharing is a micro loan product. The current use is equivalent to signing a loan contract,As a result, interest is generated immediately, every day, and the interest rate is not low. The daily interest rate of wechat "payment" is 0.04%, and the annual interest rate is about 14%.
I don't know. It's a surprise. The annual interest rate of 14% is much higher than that of 4.35% of the one-year loan of the bank, almost three times higher than that of the latter.
The installment and temporary use of wechat payment is OK, convenient and flexible, but it's not cost-effective after a long time. Netizens have said, "excuse me, let's continue to pay back my flowers!" ,After all, Huabei has a 41 day interest free periodYou can also collect wool.