Customer A uses his own credit guarantee to borrow ¥10,000 on a certain e‑commerce “white‑ticket” (credit line). But the white‑ticket service is just an intermediary. It also borrows from a bank, using Customer A’s credit guarantee. However, the white‑ticket service borrowed not only ¥10,000 but ¥100,000, then gave ¥10,000 to the customer and kept ¥90,000 for itself. So, without Customer A’s knowledge, there is already a ¥100,000 debt.
Of course the extra ¥90,000 that the white‑ticket service quietly borrowed will be repaid by the service. But now the white‑ticket service is in trouble… So everyone who has opened a white‑ticket should check their credit report to see their actual liabilities?
The original poster checked yesterday; the sister has a credit record.
But I haven’t used it since January this year, only once, and it still feels a bit scary, so I’ve already cancelled it~
The Baitiao thing—my family was tricked by JD into opening it when buying something Remembering to turn it off was quite a hassle, so I’ve been even more biased against it since.
Just finished milking the freebies and have already deregistered; each time I only activate it when I need to use it, then pay everything in one go and deregister with a single click.
Remembering to turn it off was quite a hassle, so I’ve been even more biased against it since.