Ran Ge noticed a piece of news recently, Huabei began to access the People’s Credit Information System in an orderly manner. Huabei, as a national product, has been deeply rooted in the hearts of the people , since it has moved Since payment, people rarely bring cash when they go out, and they pay by scanning the QR code. WeChat Pay and Alipay Pay can be said to be the two dominant players in the mobile payment era. As a virtual credit card product, Huabei is deeply loved by people. Especially for those users who have not yet applied for a credit card, Huabei has solved their needs very well.
But while providing convenience, there are also some people who do not fulfill the contract spirit very well. After all, the money spent on consumption is ultimately repaid, but some people still have not implemented it well. , Then access to some compulsory measures will effectively avoid some disputes.
1_strong From the beginning, it has been gradually and orderly advancing the access to the basic database of financial credit information (ie, the People’s Bank of China’s credit investigation system). Under the premise of user authorization, Huabei's related information will gradually be incorporated into the credit investigation system.
user in " flower chant"-"my 4span flower chant" _strong8 in the column of "my contract and product description" _strong8 relatedIf the interface displays the "Personal Credit Information Inquiry and Submit Authorization Letter", users who have only the "Huabe User Service Contract", "Sesame Service Agreement" and product descriptions will not access the credit report.
span 1span 1span, according to the national customer service information request, and according to the national customer service information request After obtaining the customer’s authorization, the customer’s use of Huabei will be reported to the People’s Bank of China’s credit reporting system. Will all Huabei users report credit reports? Huabei replied like a withdrawal.
1span Can the Huabei credit authorization be cancelled? According to the official response of Alipay, if there is any objection after the credit investigation is authorized, the user can terminate the authorization by closing Huabei. After closing, the user's Huabei will not be able to be used normally.
In addition, will the debit credit system be credited? According to Alipay's official customer service response: is a loan product and will be reported to the credit investigation system in a timely manner in accordance with the relevant regulations of the People's Bank of China. It needs to be pointed out that according to the actual measurement of the media,If the user uses borrowing and borrowing, he needs to agree to the loan agreement. The agreement clearly states that the user must agree to the service agency to inquire and submit the loan-related information to the PBOC's credit information system.
Many people know that credit applications in the personal credit report will give them extra points, but some are deducted. Therefore, it is particularly important to maintain a good credit record. Only when we maintain our good credit, when we need funds, can we apply for a loan with a higher amount and lower interest.
apply for a loan, we need to pay attention to whether what point
have Overdue status:
The bank checks the credit report to determine whether the borrower’s loans and credit cards are currently overdue or continuously overdue.And pay attention to the number and amount of overdue periods. In credit approval, under normal circumstances, when the borrower has a current record of overdue, or the historical overdue reaches'three consecutive six', that is, when the borrower is overdue for 3 consecutive periods or 6 times overdue in a year, the bank will consider the borrower's willingness to repay Not strong, bad credit status, there is a possibility of refusing loans.
Existing liabilities:
, mainly through the check of credit card deposits, car loan records, and bank loan records, including personal loan payments, etc. To understand the overall credit status of the borrower. If the borrower’s personal credit report shows that he has recently applied for loans from multiple banks, or his overall debt is large, the bank will comprehensively judge the borrower’s income and liabilities to decide whether to approve the loan during the credit approval process, or it may depend on the borrower. Credit status, adopt measures such as reducing credit lines and raising loan interest rates.
Basic personal information:
marital status, on the one hand, you can refer to the person’s address and the bank’s job status. The information provided by the borrower when applying for a loan is compared to identify whether there are fraud risks such as concealment and false reporting; on the other hand, the stability of the borrower’s economic status can also be judged from the change of work unit and residential address.
Credit enquiry status:
main bank enquiry through the borrower’s credit report timesDetermine whether the borrower is in a hurry to borrow, long-term borrowing, etc. The borrower will leave a record in the credit report for each inquiry. If the borrower has multiple inquiry records within a month, the bank will generally ask the reason. However, depending on the loan product that the borrower applies for, the bank's consideration of the number of inquiries may also be different.
Therefore, before applying for a loan, we must first figure out our credit information, prescribe the right remedy, and choose a loan product that suits us.
summary
Range think we spend enjoying life chant gives us the convenience of At the same time, you should also consume rationally. Don't over-consume. Don't blindly consume for a while. This will lead to a lot of pressure on repayment in the later period. After all, Huabei needs to be repaid after consumption, not overdraft at will.
Speaking of which, Ran Ge would say one more thing, consumer financing is divided into: active consumer financing and passive consumer financing. When you need financing in the future, try to prepare one or two months in advance. There are many products to choose, and the interest rate is low and the amount is high. You must avoid temporary embarrassment. If you can't get the credit line smoothly, it will be bad if you delay your "big event". However, if you are applying for financing temporarily, first you may be in a hurry to invest in a doctor. Because of the urgent need for money, you may not be able to enjoy some low-interest loans with a long approval period, which will increase your financing costs. . Therefore, you must plan your funds in advance to reduce financing costs [Handshake][Handshake][Handshake]
If you have any thoughts on this, please leave a message to discuss.
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