Is it safe to sign a credit authorization letter from Ping An Bank?

The credit investigation authorization letter only represents your consent to Ping An Bank to check your credit information, and will not cause you losses. This is because article 18 of the "Regulations on the Administration of the Credit Reporting Industry" stipulates that "where inquiries are made into personal information from credit reporting agencies, the written consent of the information subject shall be obtained and the purpose shall be agreed upon." However, there is an exception where the law provides that an inquiry may be made without consent.

Therefore, Ping An Bank must obtain your authorization and consent to inquire about your credit.

Otherwise, the bank will be penalized accordingly.

The Personal Credit Investigation Customer Authorization Letter refers to the written document in which you agree and authorize the bank to inquire about your personal credit information from the credit bureau.

The personal credit investigation customer authorization letter is a necessary document for the payment bank to inquire about your personal credit information from the credit bureau, and the credit bureau shall not provide your personal information without the authorization letter, so the loan user must sign it.

Article 18 of the "Regulations on the Administration of the Credit Reporting Industry" Where inquiries into personal information are made to credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon. However, there is an exception where the law provides that an inquiry may be made without consent.

Credit reporting establishments must not provide personal information in violation of the provisions of the preceding paragraph.

Article 19: Where credit reporting establishments, information providers, or information users use standard contract clauses to obtain the consent of the Personal Data Subject, they shall make a reminder in the contract that is sufficient to attract the attention of the Information Subject, and make a clear explanation in accordance with the Information Subject's requirements.

Extended Materials: The retention period for negative personal information by credit reporting establishments is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information, and the credit reporting establishments shall record it.

Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.

At present, credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search.

The personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

When applying for a loan from our bank, you need to sign a credit investigation authorization letter, so that our bank can check the borrower's credit information, and our staff will strictly follow the process, so you don't have to worry.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Ping An letter returns to the card to enter the job need to sign a letter of authorization to check the credit?

The answer is as follows: Ping Wang Shi Qi'an credit card entry is indeed required to sign a letter of authorization to check the credit, and the second step is to adapt to it, you have it.

1. Usage:

When a customer applies for a loan or credit card at Ping An Bank, Ping An Bank needs to check the customer's credit report.

2. Inquiry: The credit report mainly records the customer's past loan and credit card repayments, reflecting whether the customer repays on time and whether the credit is good. Checking the customer's credit report, that is, the credit report, requires the authorization of the customer, so the customer needs to sign a personal credit inquiry authorization letter.

A customer's credit report needs to be checked.

For banks, when a customer handles a loan business, the bank has to check the customer's personal credit report, but the bank must sign an authorization letter with the customer to inquire about personal credit before making an inquiry, and the relevant regulatory authorities will also check whether the bank has signed the authorization letter.

Since the personal credit report contains a number of personal privacy information, in order to prevent the leakage of personal information, the central bank has strict regulations on the management of institutional inquiries, and must submit a letter of authorization for personal credit reports, otherwise the bank's staff cannot inquire without authorization.

Authorize Ping An Bank to inquire about personal credit information from the Basic Financial Credit Information Database, etc., for the purpose of reviewing and issuing cards.

Buy a house, buy a car, take out a loan. Take a look at the previous violations and untrustworthy behavior.