Kakao Pay Quiz November 3rd Answer 'Credit Score' ๐ณ (ft. Loan Inquiry 'Without Affecting Credit Score'... Is This Really Possible? Pro Tips Guide!)
Folks! Folks! ๐ฒ Monday, November 3rd! A new week has begun!
Did you have a good first weekend of November? A new week also needs a lucrative 'AppTech' start with the **Kakao Pay Quiz Time**! ๐๐ฐ
Today's (November 3rd) quiz was: "If you urgently need emergency funds?" ๐ธ
**"There are loans available for same-day deposit. Check them without affecting your OOOO!"**
"Huh? Checking loans? Doesn't that lower your credit score?" ๐คฏ
If you were worried about that... the answer was hidden right in that 'worry'!
Beyond just getting the answer right, this post is full of incredibly important pro tips for your 'credit' and 'loans'! I'll meticulously cover everything, in over 1500 characters: even the secret behind "why you can check 'without affecting' it"! Perfectly explained! ๐
Monday, November 3rd! I'm sharing the answer to the first Kakao Pay Quiz Time of the new week 'as fast as possible'!
The fun of solving quizzes and accumulating points every day! Everyone's enjoying these lucrative benefits, aren't you? ๐
Today's quiz was a very tempting 'loan' related question for those in urgent need of cash!
"There are loans available for same-day deposit. Check them without affecting your OOOO!"
No initial consonant hint... just 'OOOO'! ๐คฏ But the hint was in the sentence itself! "Check without affecting..."?
Yes! The answer was **'Credit Score'**! ๐
1. Kakao Pay Quiz Time Answer (November 3rd)
First, here's the most important answer! Enter it quickly before the prize money runs out!
- ❓ Today's Question:
If you urgently need emergency funds?
There are loans available for same-day deposit. Check them without affecting your OOOO! - ✅ Answer: Credit Score (์ ์ฉ์ ์)
(๐ก Hint & Answer Explanation):
The answer is **'Credit Score'**! ๐จ (I earned 11 won today... ๐
How much did you get?)
This quiz was not just a simple quiz, but a question clearly promoting the **'key advantage'** of Kakao Pay's 'loan comparison' service! Let me explain what that advantage is in detail.
2. ๐ก [TMI Pro Tip 1] "How is it Possible to Check 'Without Affecting Credit Score'?" ๐ง (It's Really Possible!)
"Wait... back in my day... just checking a loan at the bank would lower my credit score...?" ๐ฅ I know some of you 'Latte' folks (old-schoolers) might be thinking that, right? (Yes, me too!)
**That was true then, but it's wrong now!** This is the 'key pro tip' of today's quiz! And it's a testament to the 'advancement of financial technology'!
- Types of 'Credit Information Inquiry' (2 main types!)
- 'Credit Score Inquiry' (Simple Inquiry):
- This is the act of checking your own credit score, asking, "What's my score now?"
- (E.g., using 'Check My Credit Score' function on Toss, Kakao Pay, Naver Pay, etc.)
- ➡️ This action **has 'no impact whatsoever'** on your personal credit score! (You can do it 100 times a day, and your credit score won't drop or go up!)
- 'Loan Application Inquiry' (Credit Granting Inquiry):
- This is the act of 'applying' for a loan to a specific financial institution (bank, credit card company, etc.), saying, "Lend me money!"
- Financial institutions 'officially' check your information to assess "Does this person have the ability to repay the loan?"
- ➡️ In the past, if these inquiry records accumulated **'multiple times in a short period'**, external credit rating agencies (like NICE, Korea Credit Bureau) might judge, "Oh, this person is trying to borrow money from various places? Is he risky?" and your **credit score could 'drop'**! ๐ฑ
- 'Credit Score Inquiry' (Simple Inquiry):
- What is 'Kakao Pay Loan Comparison'? (Type 1? Type 2?)
- (Key!) ➡️ Kakao Pay's 'Loan Comparison' service is based on the **Type 1 ('Simple Inquiry')** method, not Type 2 ('Application Inquiry')!
- This means when you enter your desired loan information into Kakao Pay ➡️ Kakao Pay, without leaving an 'application record' for you, collects and **'compares'** the **"available loan limits and interest rates"** from numerous first and second-tier financial institutions, merely at the level of a 'simple inquiry'!
- Conclusion: You can **'compare'** countless loan products—like Bank A at 5.5%, Savings Bank B at 8.2%, Capital C at 10.5%—**'without worrying about your credit score dropping'**!
- Then, you can look at them all, think, "Hmm, Bank A has the best terms!" and after making your **'decision'**, you make the **'final application'** to **'just one place'**! ๐
Today's quiz was a question promoting this 'innovative' financial service (technological innovation!)! Now, before getting a loan, don't lower your precious credit score by 'testing the waters' at multiple places! ๐ญ
3. ๐ฐ "What's the Use of Just Collecting?" Kakao Pay Points 200% Utilization Guide!
Alright, you solved the quiz and earned 11 won! ๐ I'll summarize how to wisely spend these valuable points like 'real money'! (You lose out if you don't know this!)
- 1️⃣ 1 Point = 1 KRW in cash (Unchanging Value!)
Kakao Pay Points have an unchanging value of **1 point = 1 KRW in cash**. - 2️⃣ Usage 1: Online/Offline Payments (Easiest and Most Convenient Way!)
Whether at convenience stores, cafes, restaurants, shopping malls, online stores, etc... if Kakao Pay payment is available, you can **use it immediately like cash anywhere**! Just check "Use Points" when paying. - 3️⃣ Usage 2: KakaoTalk Gift (100% Utility!) ๐
For friends' birthdays or anniversaries, when buying coffee coupons, cake coupons, or various other products from 'KakaoTalk Gift', you can pay with your accumulated Kakao Pay Points! (Effectively getting your friend's birthday gift for free! ๐ฅณ) - 4️⃣ Usage 3: Partner Point Conversion (Hidden Pro Tip!)
You can also convert your accumulated Kakao Pay Points to other partner points (e.g., airline miles, L.Point, etc.). (Partners may change, so check within the app!) - 5️⃣ ๐จ Caution! 'Cash Withdrawal' is NOT possible!
'Partner points' earned from quizzes or events **cannot be directly withdrawn as cash**! ๐ญ (TMI: Only 'Kakao Pay Money' received via 'remittance' or 'recharged' can be withdrawn as cash!)
Conclusion: The smartest and most efficient way to use Kakao Pay Points accumulated through AppTech is by **'making payments'** or **'gifting via KakaoTalk Gift'**!
4. 'Beyond Quizzes', 'Attendance Check' Too! (Pro Tips for Earning More Points!)
Since you're already in the 'Benefits' tab to solve quizzes, **you must make sure to do these 2 things** before you leave!
- 1️⃣ 'Attendance Check': An 'Attendance Check' event is always available near the Quiz Time banner! Solve quizzes, then check in for attendance! Earn double points!
- 2️⃣ 'Daily Accumulation' Missions: Like the hint for the October 31st quiz, 'visit webtoon pages', the 'Daily Accumulation' section is full of 'easy money' missions that give you **1-5P just for clicking/visiting**! Check daily to make sure you don't miss out on any points!
November 3rd, the first Monday quiz answer **'Credit Score'** confirmed! ๐ฅณ
Not only earning points but also getting a 'super key' financial pro tip: "Loan inquiries without affecting your credit score!" This was a truly beneficial quiz. (I earned 11P from today's quiz... ๐
)
Start the first week of November with smart financial knowledge and a good mood!
I'll be back tomorrow with more quick and accurate quiz answers! ๐
Folks, have you used the 'loan inquiry without affecting credit score' feature? ๐ค Don't you find it incredibly convenient? Share your experiences and thoughts in the comments! ๐
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