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哈啰“臻有钱”涉嫌高利贷：出行巨头的金融野望与合规迷局_蜘蛛资讯网

所有不尊重你的人赌的都是你没有前途

仅设一键同意、无强制阅读、无重点提示，违反了《民法典》关于格式条款提示说明义务的规定，消费者在不知情下“被同意”的高额隐形费用，相关收费条款可主张无效。　　进一步的数据揭示，担保费和担保咨询费已成为“臻有钱”真正的盈利核心。有实际测试显示，用户申请8000元额度、12个月还款计划时，利息仅218元，担保费却高达858元——担保费是利息的近4倍。而选择“普通申请”而非购买会员时，综合年化利率直接飙升

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