우리카드 올인원대출2020. 2. 18. 20:22
It’s been a while since it came out, but it’s a simple story about the Woori Card All-in-One Loan that caught my attention at the time because of its limit of 50 million won. I didn’t receive it directly, but it’s just my experience after spending some time looking into it, so I’ll let you know in advance that it doesn’t contain great information.
I recently collected information from people who received it because of personal reasons. You can think of it as a little bit of information that I found out while doing so. If you’re interested in this, I hope you’ll just take a quick look and use it as a reference. You shouldn’t blindly trust articles about products like this, including mine. It’s different for everyone.
What is it? What are its features?
When I first heard about it, I wondered what it was. Starting with whether it was a card loan or not, I also wondered what its purpose was and what its target audience was. Anyway, many people thought it was a high-interest card loan. The lowest interest rate is low, but the highest interest rate is high, so it seems to be in a somewhat ambiguous position.
The feature is that it’s a 24-hour product that can be used even if you don’t use a Woori Card. There are many similar products offered by most credit card companies. As I mentioned earlier, the maximum limit is 50 million won. Other meaningless basic conditions can be easily found by searching.
It is not a perfect 24-hour period
Approval conditions
I have no idea at all
This part made me hesitate to write an article. When I looked at the cases of people who were actually approved and using them, I had no idea at all. There were cases where people with a lot of outstanding loans and a credit rating of around 5 were approved, while people with a credit rating of 1 and no outstanding loans were rejected.
Some people may think that income is the problem. However, college students who have never used a credit card and have no income were approved for a small amount, while housewives with good credit ratings and no problems using credit cards were rejected.
If you see this screen, you are rejected
The only advantage
Since Woori Card all-in-one loans and card loans themselves do not have low interest rates, it is better not to use them if possible. In fact, most of the people I know who use them are using interest rates that are just 10%. However, since everyone, including me, has different situations, I looked into the advantages.
1. Limit
I keep saying this, but the fact that you can borrow a limit of 50 million won without a complicated process is an advantage in itself. In the case of general card loans, it is usually half. Of course, you can’t always receive the limit, but it’s still somewhere.
2. Early repayment fee
I don’t know what you think, but I think it’s an advantage because I’ve recently spent a lot of money on this. It’s a small tip, but since there’s no fee, the more you pay, the lower the interest.
3. Easy process
It’s ambiguous because there are so many products these days that allow you to receive deposits through a simple process. However, I don’t think there are many products that allow you to process a relatively high limit without a complicated process through an app or phone call.
4. Effect of credit rating
Early last year, if you used a card company product, your rating would drop significantly. It was common for it to go down by almost one rating. However, the standards changed last year, so it’s been greatly alleviated. However, it still goes down. Since everything is going to change to a credit score system, I don’t know how this will be applied.
So I’ll repeat again that you should never use it recklessly.
This and that
This is information about things that people were curious about while looking into related information. There were quite a few people who were secretly curious about small details.
1. There were quite a few cases where the limit was added while using it.
2. I haven’t seen anyone who said they received a confirmation call (happy call, etc.). They said that if you return the mail to email, it won’t arrive.
3. If there’s an error or the process doesn’t proceed through the app, try calling.
4. It’s possible even if you don’t have a card or account.
5. It’s done through a public certificate and mobile phone authentication.
The last thing I want to say is that it’s just information that an individual found, so don’t blindly trust it and never use it recklessly without thinking or a plan.
