Welcome to tell the truth.
There has been a news item in the last two days. I don’t know if you have noticed it, that is, Huabei is going to be registered for credit. For many people, this is probably a major event. First of all, it is the general trend that Huabei wants to be credited, and it will be a matter of time. Why? Because the construction of our credit society today is becoming more and more perfect, many friends know that credit reports are very, very important to everyone. If you have not seen your own credit report, I suggest that you can go to the relevant website or Go to the People’s Bank of your location and type a copy.
Today your credit record records very detailed things, such as your name, address, age, work unit, social security payment status, including your credit card usage status, bank loan status, and now Add a flower. Many friends know how important this credit record is. When you buy a car or a house, when you want to take a loan, people will ask you to provide a credit record.
If your credit report is not good, I am sorry that you will be abandoned by this credit society and you will not be able to borrow. Even in the future, your credit report may not only be related to loans. It is also possible that when you study and find a job in the future, some units will have to look at your credit report to see if you are honest in the past.
So why is it important for Huabei to enter the credit investigation? Because in the past, Huabei was a life-saving tool for many people with poor credit. We know that some young friends may not pay much attention to their credit history at the beginning due to various reasons, so they may borrow money from various online loans, or bank credit cards may not be repaid. Circumstances of non-repayment of loans. As a result, it is commonly known in the industry that your credit has been spent, which means that your credit record is too bad, and there is no longer any formal bank to lend you money.
However, because Huabei was not credited in the past, many people can still borrow money from Huabei or from various other lending institutions to relieve their urgent need. However, now that Huabei is listed on the credit investigation, on the one hand, you can see it from other banks in the credit agency on Huabei. On the other hand, if your credit is not good, it is likely to affect your use of Huabei.
and this is probably just the beginning. Today Huabei can be credited, and tomorrow, various installment shopping and loan platforms launched by other major Internet platforms will also be listed on CITIC, that is to say, the remaining gray Space is getting less and less. For a person, if your credit history is not good, it will be difficult for you in our credit society in the future. Of course, after I heard that Huabei was on the credit report, there are still many friends who have this Is it possible that my credit institution might be affected by using Huabei?
What is the reason? It is reasonable to say that we all know that as long as you repay on time and on time without causing overdue, your credit record will not be affected. But there were such unspoken rules in the past,Let's take an example. For example, if a good friend is planning to go to the bank to buy a house with a loan, the bank staff will say, "Hurry up and type out your credit record first and let us take a look and review it." This person may be very confident and said that it’s okay. Although I used to borrow money, I always pay a dime on time and pay.
However, when the bank staff reviewed his credit record, they also told him I'm sorry. Your credit record may have some problems. I am worried that our bank will not be able to approve your loan smoothly. Why? People will tell him that although you have never overdue, but you look at your credit record, you often borrow money from various online lending platforms and microfinance companies, and these companies all go to credit investigations. I wrote to you how much money you borrowed from him on a certain day, a certain year, and a certain day, and now you still have a lot of this loan that has not been repaid.
Normally speaking, it is not difficult to borrow money after you borrow it. If you borrow money, you will also pay it back. It should not be considered as a credit problem. However, banks must grasp the overall risk when approving them. When banks realize that you often borrow money from online lenders and small loan companies, they will feel why you borrowed money from them? Are you really unable to borrow money from regular banks? Or is there another reason?
In particular, we all know that small loan companies on online lending platforms tend to have a much higher interest rate than regular banks. So there are really many friends who borrow small loans from online loans all the year round, which makes banks reluctant to give They approve loans. Especially when the bank tightens the money supply , you can borrow or not, then you don’t want to borrow it, you can lend it to others, you can lend it to you, then you don’t want to lend it to you because you have some problems. If you are really forced to borrow money from online microloans, that's all, but there are really many good friends who are completely ignorant.
Everyone doesn't know this unspoken rule. I thought I borrowed money easily and how to get it. I borrowed money from many websites. Who knows that this will affect my credit history. Therefore, many friends who understand this unspoken rule are a little worried. You see, Huabei was not eligible for credit investigation in the past, so I used it normally and I repaid normally. Now Huabei is on the credit investigation, is it possible because of me? My credit history is damaged due to excessive use of Huabei?
First of all, let’s take a reassurance pill with everyone. The Huabei side also came out to explain, saying that although Huabei is on the letter, but first of all, the first letter is not one by one. is not like some people say, you borrow a sum of money to go to one item, and borrow a sum of money to go to one item. Huabei is the same as a bank credit card. Each time the SSE letter will only disclose your expenses, the total loan limit, how much you have used so far, and whether it is overdue. This is the same as a normal bank credit card. The similar ones will not be written one by one, so don't worry about it. On the other hand, there are indeed many people using Huabei across the country, and banks are also aware of this situation.
In the past, Huabei was not eligible for credit reporting. From now on, Huabei has been credited. Obviously, most of us will include Huabei in their credit reports. So for the bank’s auditors, everyone also acquiesces that Huabei is a very good financial tool that you usually use. It’s not because you can’t borrow money or because you have too much debt. Chant.
So we believe that in the future, no one will have problems with my credit record because they said that I used the credit information on Huabei Huabei. , in turn,In the past, we advised many young friends to be good at using a tool like credit card. Why? The credit card can lend you money anytime and anywhere, which can relieve your urgent need. Some friends used it improperly. They demolished the east wall to make up the west wall and used the limit of this card to repay the loan of that card. As a result, the debt snowball is getting bigger and bigger. , This is certainly not good.
But as far as credit cards are concerned, such a financial instrument does not need to be regarded as a scourge. As young people who have just entered the society, we previously suggested that you can get one or two credit cards, and you can use the credit card deliberately during normal consumption, even if you have enough cash in your hand.
Why? This is building your own credit system. Think about it if you have never used a credit card or a bank loan, then when you go to print a credit report, it will be a blank sheet of paper. For many banks, this kind of pure white bank is also reluctant to directly lend you money, because it is impossible to test your creditworthiness. But if you have often used one or two credit cards in the past few years, and repaid on time every time without overdue, then for the bank, you are a quality customer.
In the past, in order to build your own credit system, you had to take the initiative to apply for one or two credit cards, but now it’s fine, Huabei has also intervened in credit investigation. If you want to build your own credit system, you can consider If you don't engage in credit cards, and use a little bit of money, you can also improve your credit rating.
So for many young people, it is a good thing for Huabei to enter the credit investigation. Just like credit cards, Huabei and credit cards are the simplest financial tools around us. Indeed, many people lost their way and borrowed a lot of debts.But we can't push all the sins on them. For most of us, as long as we maintain the habit of self-discipline and make good use of these financial tools, it will definitely help us live better.
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