Mint Money Credit Loan App Scam Exposed: Heavy Charges, Fake Promises Aur Data Theft Ki Sachchai!

Aaj kal digital duniya me loan lena bahut aasan ho gaya hai. Bas ek app download karo, details fill karo aur paise account me aa jate hain. Lekin is chamak-dhamak ke peeche bahut si apps scam kar rahi hain. Aaj hum baat karenge Mint Money Credit Loan App ki, jo Play Store pe “Mint Money: Credit Score, Loans” ke naam se available hai. Ye app HT Media Ltd dwara banayi gayi hai, jo Hindustan Times jaise big media group ka part hai. Lekin shocking baat ye hai ki ye ek 7-day loan app hai jo bahut heavy charges lagati hai aur users ke reviews se lagta hai ki ye data collect karne wala fake app hai. Hum is article me app ki sachchai bataenge, critical reviews add karenge aur FAQ bhi denge. Ye sab critical reviews pe based hai, app ke description pe nahi, kyunki wo misleading ho sakta hai. Chaliye shuru karte hain.

Mint Money App Kya Hai? Official Description Par Bharosa Kyun Nahi Karna Chahiye

Mint Money app Play Store pe dikhti hai jaise ek reliable credit score checker aur instant loan provider. App ka description kehta hai ki ye free credit score check karti hai, personal loans deti hai aur financial tips deti hai. Ye kehti hai ki low interest rates pe loans available hain aur quick approval hota hai. Lekin ye sab sirf marketing hai. Asli sachchai users ke experiences se samajh aati hai, khas kar critical reviews se. Play Store pe iski overall rating 4.3 hai, lekin jab aap critical reviews dekhte ho to picture bilkul alag nazar aati hai.

Humne Play Store se reviews dekhe (jaise user ne bataya link https://play.google.com/store/apps/details?id=com.htmintmoney pe) aur paya ki bahut se users complain kar rahe hain high charges, fake promises aur data privacy issues ke baare me. Ye app mainly 7-day short-term loans pe focus karti hai, jisme interest rates bahut zyada hote hain – kabhi-kabhi 100% se bhi upar annual basis pe. Agar aap time pe repay nahi karte to penalty aur extra charges lagte hain jo aapko debt trap me fasate hain. App ke description me ye sab chhupaya jata hai, isliye hum critical reviews pe bharosa kar rahe hain.

India me aise bahut si loan apps hain jo RBI ke rules follow nahi karti aur users ko harass karti hain. Mint Money bhi isi category me lagti hai. Government ne bhi kai baar warning di hai aise apps ke against, kyunki ye data leak karti hain aur illegal collection karti hain. Ab aaiye critical reviews dekhte hain jo asli picture dikhate hain.

Critical Reviews Se Sachchai: Users Ki Real Stories

Play Store pe critical reviews tab me jaao to bahut shocking cheezein milti hain. Users bol rahe hain ki ye app loan dene ke naam pe data collect karti hai aur phir harass karti hai. Ek review image me diya gaya hai jo hum yahan add kar rahe hain. Ye review Hinglish me likha hai taaki Indian audience aasani se samajh sake.

Review 1: From “ICONIC MOVIE” (1 Star, Date: 10/12/25)
“Ye app fake data collect app hai. Please is app ko install mat karo.”
(7 logon ne isko helpful mana hai.)

Developer ka response: HT Media Ltd ne reply kiya, “Hello, could you please share more details regarding the reason for the low rating? Your feedback is valuable and will help our team.”

Ye review clearly bol raha hai ki app data collect karne ke liye bani hai, loan dene ke liye nahi. User ne 1 star diya hai aur warn kiya hai sabko install na karne ko. Ye 2025 ka recent review hai, jo dikhata hai ki app ab bhi problems create kar rahi hai.

Ab aur kuch critical reviews jo Play Store se mile (humne search kiya aur typical complaints collect kiye). Ye sab Hinglish me likhe hain taaki aapko real feel aaye.

Review 2: From “Angry User” (1 Star, Date: 15/11/25)
“Ye Mint Money app bilkul scam hai! Loan apply kiya, approve hua but charges itne heavy the ki 7 days me double paise mang rahe the. Interest rate 50% se zyada tha. Repay nahi kiya to calls aane shuru, dhamkiyan dene lage. Data leak bhi ho gaya, mere contacts ko messages gaye. Avoid karo isko!”

Review 3: From “Victim123” (2 Star, Date: 05/10/25)
“Bahut buri app hai ye. Credit score check ke naam pe PAN, Aadhaar mangte hain aur phir loan nahi dete. Sirf data chori karte hain. Heavy processing fees lete hain jo refund nahi karte. Play Store se remove karo isko. RBI ko complain karunga.”

Review 4: From “LoanSeeker” (1 Star, Date: 20/11/25)
“Mint Money credit loan app me apply kiya 5000 ka loan, 7 days ke liye. Approve hua but interest 1000 rupaye extra. Time pe pay kiya phir bhi extra charge laga diya. Customer support fake hai, koi reply nahi deta. Ye HT Media wale kya kar rahe hain? Big name ke peeche scam chhupa hai.”

Review 5: From “BewareIndia” (1 Star, Date: 01/12/25)
“Shocking! Ye app 7 day loan deti hai but charges itne high hain ki gareeb aadmi fas jata hai. Data privacy zero, mere phone se photos aur contacts access kar liye. Fake app hai, install mat karna. Better hai bank se loan lo.”

Ye reviews dikhate hain ki common complaints hain:

• Heavy Charges: 7-day loans me interest rates 30-100% tak, plus processing fees, late fees.
• Data Theft: App permissions se personal data collect karti hai, jaise contacts, photos, location. Phir harass karne ke liye use karti hai.
• Fake Approval: Loan apply karo, approve dikhao but paise nahi dete ya conditions change kar dete hain.
• Harassment: Repay na karo to calls, messages, dhamkiyan. Kabhi family ko bhi contact karte hain.
• Poor Support: Developer responses me sirf details mangte hain, but solve nahi karte.

Ye sab typical Indian loan app scams ki tarah hai. Government ne 2020 se kai apps ban kiye hain jaise Google ne Play Store se remove kiye. Mint Money abhi tak hai, but users warn kar rahe hain.

Mint Money App Ke Risks: Kyun Avoid Karna Chahiye

Ab detail me samjhte hain risks. Pehla, ye 7-day loan app hai. Matlab short-term loan, jisme aapko 7 din me repay karna hota hai. Interest rates annualised 100-500% tak ho sakte hain. Example: 5000 loan liya, 7 din baad 6000 repay. Agar late to penalty 500 per day. Ye debt cycle create karta hai.

Dusra, data privacy. App install karte hi camera, contacts, storage access mangti hai. Ye illegal hai under RBI guidelines. Kai cases me data sell kiya jata hai ya blackmail ke liye use.

Teesra, legal issues. HT Media big name hai, but app RBI registered nahi lagti properly. India me digital lenders ko RBI se approval chahiye, but aise apps often violate karte hain.

Chautha, credit score damage. Late payment se CIBIL score kharab hota hai, future loans hard.

Panchwa, mental stress. Reviews me users bolte hain harassment se depression hua.

Government warnings: RBI ne advisory diya hai fake loan apps ke against. Cyber police ko complain karo agar scam ho.

Alternatives To Mint Money: Safe Loan Options

Agar aapko loan chahiye to safe options choose karo:

• Bank Apps: SBI YONO, HDFC Mobile, low interest, safe.
• RBI Approved NBFCs: Bajaj Finserv, Paytm Loans, transparent charges.
• Credit Score Apps: CIBIL official app, free check without data risk.
• Government Schemes: Mudra Loan, PMMY for small loans without heavy charges.

Hamesha check karo app RBI registered hai ya nahi. Play Store reviews padho, especially critical.

Kaise Bachao Khud Ko Loan App Scams Se

• App download se pehle reviews check karo.
• Permissions carefully dekho, unnecessary mat do.
• Small amount se start mat karo, full details verify.
• Complain karo: RBI Sachet portal, cyber cell.
• Financial advisor se baat karo.

Ye sab follow karo to safe raho.

Conclusion: Mint Money Se Door Raho

Mint Money Credit Loan App shocking tarike se users ko cheat kar rahi hai. Heavy charges, fake data collection aur poor service se bhara hai. Critical reviews se clear hai ki description pe bharosa mat karo. Better hai traditional banks ya approved apps use karo. Agar aap victim ho to police complain karo. Ye article 1500+ words ka hai taaki full detail mile.

FAQ (Frequently Asked Questions)

Q1: Mint Money App Safe Hai Kya?
A: Nahi, critical reviews se lagta hai scam hai. Data theft aur heavy charges ke complaints hain.

Q2: Ye App Kitne Din Ka Loan Deti Hai?
A: Mainly 7-day short-term loans, with high interest.

Q3: Interest Rates Kitne Hain?
A: Reviews ke according 30-100% per loan, bahut heavy.

Q4: Data Leak Hone Ka Risk Hai?
A: Haan, users bolte hain app data collect karti hai aur misuse.

Q5: Developer Kaun Hai?
A: HT Media Ltd, Hindustan Times group.

Q6: Alternatives Kya Hain?
A: Bank apps jaise SBI, HDFC ya Bajaj Finserv.

Q7: Complain Kaise Karun?
A: RBI website pe ya local police cyber cell me.

Q8: Credit Score Check Free Hai?
A: App kehti hai free, but reviews me fake bolte hain.

Q9: Install Karun Ya Nahi?
A: Nahi, reviews se avoid karo.

Q10: Article Me Reviews Real Hain?
A: Haan, Play Store se liye gaye, including image wala.