Online grocery shopping was inexplicably opened, "Meituan Monthly Payment" was
overdue or affected personal credit. Some netizens have also been "recruited"
A few days ago, some users pointed out that without their knowledge, Meituan Food Delivery and Meituan Maicai opened financial services, namely "Meituan Monthly Payment", and owed more than 100 yuan.
Many netizens said that they have had similar experiences.
A reporter from Beijing Youth Daily learned that "Meituan Monthly Payment" is a credit payment service, and overdue payments will be reflected in personal credit investigations.
At present, the person concerned has stated that the incident has been processed and the loan fee has been waived, but the mood is still very complicated.
Online grocery shopping and takeaway are opened for loans
A Shenzhen netizen, “Girl onion doing subtraction,” said that he received a text message a few days ago, stating that there was a loan record and attached a link.
"I thought of being deceived for the first time, so I hurried to call the customer service. The customer service couldn't answer me on the spot. They asked me to upload a screenshot of the text message according to the link. They called me after checking it out. It turned out that I was loaned."
She learned that in July of this year, without knowing it, Meituan Waimai and Meituan Maicai opened financial services for themselves, with a loan of more than 100 yuan and a monthly quota of 300 yuan.
In the meantime, she said that she did not apply, did not have real-name authentication, and did not bind a bank card, but she still successfully opened this loan-like service.
Since I was not aware of the loan being opened, I did not continue to use the service and did not enjoy the coupons. Instead, I continued to use other payment methods to pay 23 orders in the case of arrears.
She believes that she has no loan demand. "Although my conditions are very poor, it is not possible that the card does not have 300 yuan."
Meituan complained that the customer manager told her, "Most people have opened a 300 yuan billing statement, which is the default service for high-quality customers."
Some netizens have had similar experiences
"I ridden a Meituan bike before and opened this for me inexplicably! I gave me a loan of 1.5 yuan!" "Today, I received the information about the repayment of the arrears from Meituan inexplicably, and I was still wondering whether it would work. Open Meituan. I found out that I have opened the living expenses payment for me privately, but I can’t close it yet? What kind of operation is this?” “Taking a taxi is actually in this mode, and it’s only two days before it expires. Fortunately, I checked it, or I would breach the contract and ask for credit is not it?"
Many netizens said that they have encountered similar problems before, and the business involved is not only takeaway and grocery shopping, but also bicycles and taxis.
Some netizens recalled that because the payment option had coupons and was not clearly marked, it caused a mistake in the loan service; others said that because the order confirmation interface or payment interface will randomly jump out of the monthly payment interface, they mistakenly think that the next step can be performed after clicking , I accidentally activated this service.
It is understood that, in addition to bank cards and WeChat payment, the user’s interface for payment in Meituan also includes "Meituan Living Expenses·Pay" or "Meituan Monthly Payment", and the bold font below says "Recommended Use" , This order can reduce up to 88 yuan, "free 3 yuan red envelope" and other preferential information, in order to attract consumers to use.
And this "Meituan Monthly Payment" financial service similar to "Huabe", many users do not know that it is a credit service.
Many netizens said that their quota is 300 yuan per month.
Meituan pays 18% annual interest rate, overdue affects credit reporting
A reporter from the Beiqing Daily saw that Meituan Monthly Payment is a credit payment service provided to individual customers "this month's spend, next month".
Within the available amount, you can choose the monthly payment method to pay. The bill for the previous calendar month will be issued on the 1st of each month, and the 8th of each month is the repayment date.
After the Meituan monthly payment is overdue, the penalty interest will be charged on a daily basis, and the interest is “ten thousand five” per day.
In other words, it is equivalent to an interest rate of about 18% a year.
The customer service said, “The overdue record will be reflected in the personal credit report. Overdue may affect the review of loan applications through other channels, but you must consult the lender of the other party in detail.”
According to the "subtraction girl onion", the 300 yuan loan fee has been waived after she has contacted Meituan's customer service many times.
"For me, it's really not easy to be entangled repeatedly and have to call the police to prove innocence. In the end, the 300 yuan loan fee was waived. On the surface, I took advantage of it, but I would rather I have not used this APP."
Text / reporter Wen Jing