Is 51credit.com Safe? Security Analysis for 北京决策信诚科技有限公司
Check if 51credit.com is a scam or legitimate. Free security scan and reviews.
AI Summary
The website www.51credit.com is a well-established Chinese financial services platform specializing in credit card applications, loan information, and personal finance management. It serves a large user base with extensive content including news, forums, credit card offers, and educational materials. The platform collaborates with over 255 banks and financial institutions, positioning itself as a significant player in the Chinese credit and loan market. Technically, the site employs modern JavaScript libraries and Baidu Analytics for user tracking, with mobile optimization and HTTPS enforcement ensuring a secure and accessible user experience. Security measures include captcha protections on login and registration forms, though some security headers are not visibly implemented. Privacy compliance is basic, with a privacy policy present but no explicit cookie consent mechanism detected. The absence of WHOIS data for the domain introduces a minor trust concern, but the overall business credibility and content quality remain strong. Strategic recommendations include enhancing security headers, implementing cookie consent, and improving transparency around data protection.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
51credit.com operates as an essential finance sector entity focused on consumer credit services in China. Its business model revolves around providing free credit card application services, loan information, and financial education, supported by partnerships with numerous banks. The platform's competitive advantage lies in its comprehensive content, active community forums, and strong brand presence in the Chinese market. Revenue streams likely include affiliate commissions from credit card issuers and advertising. The target audience includes Chinese consumers seeking credit cards, loans, and financial advice. Growth indicators include active content updates and a large user base. The partnership ecosystem is robust, with many banking institutions linked. Operationally, the company demonstrates maturity with a consistent brand and professional content.
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a moderate security maturity level with HTTPS enforced and captcha protections on critical forms, reducing automated abuse risks. However, the lack of visible security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options indicates room for improvement. No exposed sensitive data or vulnerable libraries were detected in the provided content. Privacy compliance is basic, lacking cookie consent mechanisms and GDPR indicators. Incident response and security policy information are not publicly available, suggesting limited transparency. Overall, the security posture is adequate for the business type but would benefit from enhanced header configurations, privacy improvements, and published security policies to increase user trust and regulatory compliance.
Strategic Recommendations
Priority Actions for Security Improvement
Implement comprehensive security headers including CSP, HSTS, and X-Frame-Options to mitigate common web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
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good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Captcha on login and registration forms
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is a comprehensive Chinese credit card and financial services platform.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
Critical sector without clear security compliance
HIGHDetected sectors: transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
SPF Details
DMARC Details
MTA-STS Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 88 days
Mixed Content Detected
MEDIUM11 resources loaded over insecure HTTP
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DNS Records
DNSSEC Status
DNS Performance
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings