Is Huabei borrowing on the credit, which is the credit investigation between Ant Huabei and borrowin

Borrow. At the meeting, Huabei.

It will not be on the credit report. Although Huabei will not go to the central bank.

However, if Huabei is overdue, it will affect the evaluation of Sesame Credit. Sesame Credit is Alipay's credit evaluation system, which affects the comprehensive evaluation of all Alipay's credit products. Huabei overdue will also lead to a decline in Sesame credit score, which will lead to borrowing and reserve funds.

and other functions are restricted.

What behaviors affect personal credit reporting?

1. The credit card is overdue. Failing to make a payment on time after a credit card payment is due, or not meeting the minimum payment amount.

2. The loan is overdue. Some of the loans are overdue, and some will not be on the credit report. For example, bank loans, some small loan companies, online loans, etc. will be on the credit, although some loan companies do not go on the credit, but we should not have a fluke mentality, once the overdue loan company is also likely to cooperate with other financial institutions connected to the credit system, the overdue record uploaded.

3. Overdue caused by third-party guarantee. If you have made a loan guarantee for someone else, although you are not repaying the loan, if the borrower is overdue or does not repay, the personal credit of the guarantor will also be reflected.

4. Overdue caused by fee adjustment. Some bank interest is floating, especially for housing loans, if the interest on the mortgage is raised, the owner still repays according to the original repayment amount, which is easy to cause overdue.

5. Overdue due to credit card annual fee. Some credit cards have an annual fee, and most banks will incur an annual fee after you open the card, and the annual fee can only be waived after a certain number of purchases; Some people think that as long as they don't use the card to consume after opening the card, they don't need to pay back, but in fact there will be an annual fee.

Bad credit records caused by social behavior

1. Tax arrears. Personal income tax is included.

and other income tax payable.

2. Civil judgment records. If a civil lawsuit is involved.

After the court judgment is issued and issued, if it is not executed on time, the court will upload the act to the personal credit report.

3. Enforcement records. Court enforcement, will also be uploaded to the personal credit record.

4. Telecom arrears records. **Arrears seem to be a trivial matter, but if you don't pay the arrears for a long time, the telecommunications department will also upload this behavior to the personal credit record.

5. Administrative penalties.

If the punishment is not fulfilled on time after being administratively punished, the administrative agency will also upload this behavior to the personal credit report.

6. Subway fare evasion. Do you still have to go to the credit report for subway fare evasion? You read that right, the current Shenzhen subway.

It is already being implemented, and once the fare evader is caught, it is likely to be uploaded to the personal credit reporting system.

1. Huabei on the credit.

It can be seen from the Huabei service upgrade that you can continue to use Huabei normally after upgrading, and you cannot use Huabei without upgrading it, which is a mandatory requirement, and the purpose of the upgrade is to obtain the user's credit authorization and report the use of Huabei to the credit information system of the People's Bank of China to meet the requirements of the national credit investigation management department.

2. Borrow credit information.

As a loan product of Ant Group, Borrowing 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, and only truthfully feedback the user's historical usage records.

Therefore, Huabei borrowed the credit information, this is the answer.

The big data of online loans can clearly reflect the user's recent application for online loans, whether the online loans are repaid on time, and whether there is any suspicion of identity information. You can check by a credit inquiry tool such as "Shell Tip Quick Check" to get a detailed risk report.

Huabei and borrowing are used normally, and the normal repayment will not be on the personal credit report, and the credit report will be on the credit if it is overdue. The situation is as follows:

1) Choose to repay according to the minimum repayment of Huabei: it will not be on the credit report;

2) Choose to repay this month's Huabei bill in installments: it will not be on the credit report;

3) Choose to wait for the overdue, but don't pay it back: it will definitely be on the credit report.

1. Huabei's special quota raising channel, but this situation is limited to the special quota raising channel that Ant Huabei actively invites users to participate in. If the user agrees, the user's Huabei quota will be greatly increased, and every Huabei record used by the user will also be credited.

2. The amount of borrowing is more than that of Huabei, and the use is more flexible, and the amount can be withdrawn directly to the bank card. Therefore, the assessment of borrowing is more stringent than that of users. Borrowing is different from Huabei, as long as the user uses it, every time you borrow a loan, it will be recorded in detail in the credit report, which is undoubted, just like the road you have walked will leave footprints.

If the borrowing is overdue, it will be the same as the overdue Huabei, which will directly lead to credit black.

Extended information: 1. What is credit reporting? Credit investigation is a Chinese word, pinyin zhēng xìn, which means to collect, sort, preserve, and process the credit information of natural persons, legal persons, and other organizations in accordance with the law, and to provide credit reports, credit assessments, credit information consultations and other services to help customers judge and control credit risks, and carry out credit management activities.

From "The Eighth Year of Zhao Gong"."The words of a gentleman are believed and signed, so the resentment is far away from his body"。Among them,"Believe and sign"That is, it can be verified that the empty spike is faithful, or solicit and verify credit.

2. Credit reporting is an activity in which a professional and independent third-party agency establishes a credit file for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law, which provides a platform for credit information sharing for professional credit institutions. In May 2019, the new version of personal credit information was officially launched, and the duration and refinement of credit information will be further improved.

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Borrow. Credit will be reported at the meeting. Huabei.

It will not be on the credit report, but if you are overdue, the credit will be the same as Sun Xian's file, as long as you borrow money on the loan, you will definitely go on the credit report, because the loan is a loan, so you have to go to the People's Bank of China for credit.

But if you repay the loan on time, it will have no impact on the credit report, but will accumulate your credit, if it is overdue, the credit will be a problem, and now the credit report is only updated for five years, so you must not be overdue.

And Huabei is an early consumption, similar to the nature of a credit card, Huabei will not be on the credit report, but if you are overdue, the credit will be bad, so no matter what it is, remember that it must not be overdue.

Extended information: Huabei can be understood as an electronic credit card, which only checks the credit once when granting credit, and the specific credit limit.

And the use of the use will not be on the credit report, so the understanding is better than the credit card.

The credit line and usage of the credit card will be on the credit report, and even the excessive use of the credit card limit will lead to an increase in debt, which may be affected by the high debt of the credit card when making other loans. And Huabei will not be at all, that is, you will use it all randomly, and you will not become a liability on the credit report, as long as you use it normally and repay the loan on time, there will be no problem.

Now Ant Huabei and Borrowing are linked to your credit investigation, so it is best to repay Huabei and Borrowing in time, don't be in arrears, if you are in arrears, it will be more troublesome for you to return the chain behind you.

Borrowing will be credited. Huabei will not be on the credit report, but if you are overdue, the credit will be bad, as long as you borrow money on the borrowing reputation, it will definitely be on the lead letter, because borrowing is a loan, so you have to go to the People's Bank of China for credit, but if you repay the loan on time, it has no impact on the credit investigation.

Now they have to go to the credit report, and they can't escape any of them.