소액결제 현금화 서비스는 정보이용료, 신용카드 등을 통해 누구나 간편하고 손쉽게 현금 자금을 마련할 수 있어 이미 많은 이들이 사용하고 있다. 허나, 정식 등록 업계에서는 “소액결제 현금화 서비스에 대한 정확한 이해와 검토없이 이를 진행하여 요금 폭탄을 맞거나, 미납, 연체로 인해 개인 신용등급이 하락할 수 있어 소액결제 현금화 서비스 이용시 개인의 신용점검이 우선시 되어야 한다.”는 주장이 제기되고 있다.

휴대폰, 신용카드 등을 활용해 소액결제 현금화 서비스를 이용하면 해당 사용 내역이 익월 요금 청구서에 포함되기 때문에 자신의 재무상황을 고려하지 않은 채 소액결제 현금화를 진행할 경우 대금에 대한 부담은 물론, 신용등급이 하락할 수 있다. 때문에 불가피하게 소액결제 현금화 서비스를 받아야할 경우라면, 자신의 신용상태와 재무상황을 면밀히 점검하고 또한, 불법업체에 의한 피해를 맡기위해 정식 등록 업체를 이용하는 것이 중요하다.

업계관계자는 “불법 업체의 경우 개개인의 신용과 재무상황을 고려하지않은 채 무분별하게 해당 서비스를 제공하는 경우가 많다”고 전하며 “이는 소비자를 위험에 빠트리는 행위”라고 경고했다. 약 15분 정도면 별도의 서류없이 현금을 마련할 수 있는 소액결제 현금화, 보다 안전하게 이용하기 위해선 불법 업체를 가려냄은 물론, 정식 업체에서 제공하는 피해예방 가이드라인과 주의사항 등을 충분히 숙지한 후 진행하는 것이 중요하다.

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