I recently accidentally ordered the Huabei upgrade, what credit contract did I sign, will I be on th

On the credit Huabei.

The contract related to personal credit is on the credit report. If Huabei is overdue for a long time, it will be on the credit system, and there will be an overdue record for credit reporting.

If the user's Huabei has the "Authorization Letter for Inquiry and Submission of Personal User Information", it means that the user is one of the users who have been connected to the central bank's credit information, and then the relevant consumption and repayment records of Huabei will be reported to the central bank's credit system.

Go up and record it in the personal credit report. If the user's Huabei only has the "Huabei Service Agreement", "Sesame Service Agreement" and product descriptions on the user's Huabei, it means that the user's Huabei has not yet been connected to the central bank's credit.

It should be noted that regardless of whether the user's Huabei has access to credit or not, customers should pay attention to avoid bad behaviors when using it, especially remember to repay the loan on time. Otherwise, once there is an overdue, those who have been connected to the central bank's credit will be reported to the credit report and in the personal credit report.

leave a bad record; Those who have not yet been connected to the central bank's credit will also be reported to Sesame Credit if they are overdue.

Personal credit will also be affected as a result, sesame points.

It may also be lowered.

Extended Materials. What is a credit report.

Credit reporting means collecting, sorting, storing, and processing the credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks, and carry out credit management activities.

Credit information records the past credit behavior of an individual, which will affect the individual's future economic activities, and these behaviors are reflected in the personal credit report, which is often referred to as "credit history".

Improper use of credit cards and poor public records can affect credit reporting. If a credit card is overdue for three consecutive times or six times in two years, it will be reflected in the personal credit history and will have a direct impact on future loan applications. In addition, the ID card was fraudulently used by others.

Or a copy of the ID card produces a credit card arrears record, and the cash out of the personal credit card will affect the personal credit report. Poor public records mainly refer to non-payment of strata fees.

Water, electricity, gas, arrears, unpaid taxes, etc., will lead to a lower credit rating and affect credit reporting.

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

Nowadays, there are so many loan platforms, and if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use the credit service brand of Youqianhua and Du Xiaoman Finance (formerly known as Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Huabei is a first-class consumer financial service provided by Ant Financial to consumers to "buy this month and pay back next month", which is essentially "credit consumption", and it was not on credit investigation in the past. However, Alipay recently officially said that some users have been connected to the central bank's credit information, and the rest of the users will be covered in batches.

If the user sees the "Personal Credit Information Inquiry and Submission Authorization Letter" in Huabei's "Relevant Contracts and Product Descriptions", it means that the user's Huabei has been on the credit report. After accessing the credit information, the Huabei data will be combined and uploaded once a month.

At present, formal loan platforms will be connected to the credit information system in accordance with the relevant regulations of the People's Bank of China. When a consumer loan product is connected to personal credit information, it will truthfully feedback the borrower's historical usage records, which will help financial institutions evaluate the borrower's personal credit status.

Under normal circumstances, if the borrower repays the loan on time and maintains good usage habits, then the use of Huabei will not have a negative impact on personal credit, but will help personal credit accumulation, and become a proof of good credit when applying for housing loans, car loans and other loans in the future.

Huabei can only be used for consumption payment, can not be withdrawn, if you have urgent money needs, you can consider using Du Xiaoman Finance to spend money to borrow. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

This is a newcomer Huabei, and it will be credit if it is overdue.

If Huabei users do not upgrade Huabei, it will not affect the use of Huabei for the time being, and it will not be connected to the credit information, but if the user agrees to upgrade, the data will definitely be reported to the credit investigation, unless the user cancels Huabei. The Huabei upgrade is first to allow high-quality customers to upgrade, and then it will fully cover Huabei users, and after access to the credit, Huabei data will be combined and uploaded once a month. Therefore, Huabei will definitely be on the credit report.

Extended information: Founded in 2004, Alipay (China) Network Technology is a third-party payment platform in China, committed to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals. Since its establishment in 2004, Alipay has always taken "trust" as the core of its products and services. It has two independent brands, "Alipay" and "Alipay Wallet".

Since the second quarter of 2014, it has become the world's largest mobile payment manufacturer.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, you will receive a consumption quota ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later".

On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, which is also the first Internet consumer finance ABS on the Shanghai Stock Exchange. As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan, increasing the registered capital from 3.8 billion yuan to 12 billion yuan.

On September 22, 2021, Huabei has been connected to the central bank's credit information system, and it will not be available if the user refuses to access it. Industry insiders believe that banks and other financial institutions have experience in capital and risk control, and Huabei has consumption scenarios and risk control data, and the two sides have their own strengths and complement each other. Therefore, cooperation can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, and benefit the development of the industry.

According to the comprehensive consideration of consumers' online shopping situation, payment habits, credit risk, etc., through big data computing and combined with the risk control model, Ant Huabei grants users consumption quotas ranging from 500 to 50,000 Ant Huabei's quota is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic.

1. It is on the credit report. When users use Huabei, there will be a "relevant contract and product description", which will have a "Personal Credit Information Inquiry and Submission Authorization Letter", which means that Huabei has been connected with the credit investigation, and the loan records in Huabei can be on the credit investigation. If the user's Huabei page does not display the personal "Credit Information Inquiry and Submission Authorization Letter", it means that there is no credit investigation.

2. Which article of the Huabei service agreement is on the credit report: In the past, Huabei users only needed to click to agree to 3 agreements when applying for use, namely "Huabei User Service Contract", "Huabei Signature and Preservation Agreement", and "Sesame Service Agreement", and the user's use, repayment records and other data are mainly retained on the Alipay platform. However, in 2020, many users found that after clicking on Huabei upgrade, there was an additional service agreement, "Personal Credit Information Inquiry and Submission Authorization Letter", that is, after clicking on this agreement, the subsequent use and repayment will be reported to the central bank by the platform, which is displayed on the personal credit report, that is to say, if the credit is not on, the user will go to see if there is this item in his contract signing.

In terms of the situation, the users who report credit in Huabei are mainly users who take the initiative to click on the upgrade and apply for Huabei newly, and the remaining old users are still in the original way for the time being, and will not report to the credit information system. Therefore, it is recommended that everyone pay special attention to the code of conduct when using credit products in ordinary times.

Extended information: 1, how to raise the amount of Huabei: Alipay can be the first choice for payment under various consumption, such as: catering, supermarkets, living expenses, all kinds of movie tickets, recharge phone bills, etc., are all beneficial to improve your sesame score; Huabei will launch temporary quota increase activities from time to time, you can pay attention to it; Maintain your good credit and repay the loan on time, and you can increase the limit in this way; You can choose to apply for a credit card, and then bind it to the bank card in Alipay, and repay it on a monthly basis after consumption, which is also helpful to increase the amount of Huabei; If you have spare money, you can use it to buy Alipay's wealth management products, which is also very helpful for us to increase the amount of Huabei.

For example, Yu'e Bao, we can deposit our work income into Yu'e Bao, so that Alipay knows that you have funds and the ability to repay.

Yes. Now Huabei.

The upgrade is to involve the user's credit to the central bank, as long as you upgrade the central bank's credit information, it will be displayed, very much the same as a credit card, the credit information will show the loan amount and repayment, and Huabei in use will not check your credit.

If you use it again after repaying it, or use it in small amounts, you will check your credit more often. At present, the Huabei upgrade service is not mandatory, so the user is given a right to choose, there is a cross on the Huabei upgrade prompt, and the fork that you don't want to upgrade can skip it.

However, there are drawbacks to skipping Huabei upgrade service, and now many users' Huabei can no longer be used without upgrading, although Huabei can be selected as a payment method when paying, it will always prompt Huabei service upgrade, and it will not be used if it is not upgraded, so everyone still has to carefully consider whether to upgrade or not.

Extended information: How do I know if I have access to credit information?

In Huabei—my—related contracts Product Description If there is a (personal credit.

Submit a letter of authorization for inquiry.

Will access to credit only (Huabei user service contract) (sesame service agreement) and product description users, responsibility for the time being has not access to credit, of course, there is full access in the later stage. There are too many online loan inquiries, and it is difficult for banks to lend in the short term, and credit loans will lower their scores. Banks have requirements for credit inquiries, and it is recommended to apply for a formal bank credit loan after 3 to 6 months, with a high bank credit line and low interest rate.

After Huabei upgrades its services, the basic personal information, Huabei quota and repayment status are reported to the central bank system on a monthly basis, and Huabei is a small-amount online loan, and Huabei has been connected to the central bank's credit system.

Every time you use it, you will check your credit information, every time you make a withdrawal, you can also check your credit again, and the interest rate on online loans is also relatively high, Huabei must repay on time Otherwise, it will affect your credit record If the user chooses not to upgrade for a long time, it may affect the normal use of Huabei The official confirmation that the user upgraded, if there is any objection, you can choose to close Huabei, and Huabei will not be able to use normally after closing.

Operating environment: Alipay Apple 12, ios14, Alipay version.

Not every transaction in Huabei will be on the credit record, because Huabei and the credit report on the credit card bill are similar, and the credit report is uploaded on a monthly basis, which means that the daily use record of Huabei will not be on the credit report, and will only report the credit report after the monthly bill amount is combined. If you maintain good borrowing habits when using Huabei, that is, repay the loan on time and in accordance with the amount, and there is no bad behavior such as overdue, Huabei will only report the comprehensive usage every month; If the use of Huabei results in overdue behavior, the total overdue amount of Huabei in the current month is also reported, that is, the amount of unrepaid, rather than listed one by one.

Extended Materials. 1. What is credit reporting?

What we call "on the credit" is actually access to the central bank's credit system.

The central bank has only had this credit information system since 1996, and the information included includes the basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and the main financial indicators of enterprises.

This set of information is equivalent to authenticating your personal credit, which is convenient for the bank to check your repayment ability in order to assess whether to give you a loan or not, and how much to give you.

In the past, when there was no credit system, it was more troublesome to borrow money from the bank, because the bank wanted to know whether you could repay the money, and it had to provide a bunch of information such as unit certificate and salary certificate, and the loan officer had to go to your unit and your home to see, so it would take a long time for the loan to be approved and approved.

Now with the central bank's credit system, how is your credit and whether you can repay the money on time, it will be clear at a glance through the credit information system! Loan approval has also become easier and faster.

2. Why does Huabei access the credit information system?

Huabei is a consumer finance business, that is, "consume first and repay later", which is equivalent to the bank's credit card business.

The difference between Huabei and credit card is that the type of credit card consumption reporting business is "credit card", and the used credit card limit will be included in the loan applicant's liabilities, while Huabei personal consumption loan after credit investigation is listed separately as a separate category.

Many people may not know that Chongqing Ant Consumer Finance, to which Huabei belongs, was approved to open in June this year, and is the 29th licensed consumer finance company in the country, which is in a parallel relationship with banks.

The credit card business of banks is on credit information, so credit reporting on consumer financial products is a normal operation and a behavior that complies with regulatory requirements.