Is it reliable to borrow money from Ping An Lufax? Why do so many people say it’s a big pit? ?

Never borrow money from Ping An, it is a loan shark. The interest they tell you is not much, but the guarantee fee is very high. I borrowed 60,000 yuan before, but they deceived me and asked me to pay it back in 36 installments. I actually had to pay back more than 100,000 yuan. After more than a year of repayment, the guarantee fee was less than 20,000 yuan. In the end, the principal was not repaid at all, and their interest rates were also high. They charged you hundreds in the first month, and more than ten yuan in the last 36 installments, and they took all the initial money. Simply not human.