Huabei has gradually been connected to the credit information system since last year, can Huabei s c

More and more people use Huabei, Huabei was not on the credit system before, so it doesn't matter how many days it is overdue, but last year Huabei has announced that it will access the credit system, which makes many people panic. Some consumers are curious about whether the user needs to authorize himself to access the credit information system, and can this credit information authorization be canceled? In fact, this kind of credit authorization can not be canceled, but this has something to do with the Huabei software version, if it is an old version, if it is not upgraded, it will not be connected to the credit information system for the time being, but presumably this bug will not exist for too long, Huabei company may be repaired in a very short period of time, recently some users have found that Huabei can also choose to cancel the authorization to a certain extent, but this authorization procedure is cumbersome and troublesome, but it is also a good way.

First, Huabei company currently uses a lot of people.

Huabei is easy to use, easy to borrow, convenient to repay, can be consumed in advance, and avoids having to swipe the card to consume like a bank credit card. Many young people will choose to use Huabei, after all, paying with a mobile phone is the consumption habit of the current young group, and Huabei Company is also doing preferential activities for these young groups. <>

2. What is access to the credit information system?

Access to the credit information system is a loan strategy of Huabei Company, after access to the credit information system, Huabei Company can report the monthly Huabei consumption and personal repayment situation to the People's Bank of China Credit Information Center in the form of data, and the credit information center will record personal consumption and repayment habits. Therefore, if it is overdue after accessing the credit information system, it is easy to cause bad credit to yourself, and uploading credit will also bring inconvenience to yourself. <>

3. How to cancel the credit investigation authorization?

If you want to cancel the credit authorization, you first need to pay off all the personal Huabei lists, and after returning the personal Huabei lists, close Huabei in the Alipay operation interface, and wait for a few days after Huabei is closed, and then reopen Huabei for use, and choose not to agree to the upgrade after opening, so that you will not submit a credit report. <>

It can be seen from the above aspects that Huabei credit authorization helps Huabei Company to deter those who do not repay malicious debts, and at the same time, it is also possible to cancel Huabei authorization, and you only need to pay off all the arrears of Huabei and reopen it to cancel the authorization.

Yes, it is possible to cancel. But the method of cancellation is a bit complicated, you need to study carefully, Huabei is very convenient for many young people, as long as there is no interest in repaying on time, I personally prefer to use Huabei.

Huabei credit authorization cannot be canceled, and if it is canceled, it will also affect the normal use of your Huabei, so Huabei credit authorization will be regularized in the future.

Huabei credit is all cancelable, if you don't need this function, you can cancel or turn off the cost in the settings.

We all know that there is a Huabei in Alipay that allows us to spend in advance, and many young people generally use this Huabei, because when we use Huabei, we can use a large amount of money very quickly to buy something, or alleviate some family difficulties, and then we can slowly repay the loan every month for a long time, although we have to pay more interest, but it can solve our urgent needs, and recently Huabei has been involved in the credit system users, If you refuse to accept it, you will not be able to use it. <>

If we refuse to upgrade, it will definitely affect our use of Huabei, because Huabei has been connected to the credit system on the system, if we refuse to use, that is, we can not enter the information into the credit system, from daily use, there may not be much impact, on the whole, it will be of great benefit to the specific financial records to be intact.

If our Huabei system's credit system covers a comprehensive level, then we can record our personal credit activities very comprehensively, so that we can better provide some evidence, so that we have more loan channels, and not upgrading will directly affect our daily use of Huabei, so the specific core is still for us to agree, and authorize the People's Bank of China's financial credit system data to be loaded into his database, so that we can better view. <>

My credit can also be upgraded in the process of continuous improvement, and the use of phone bills is more secure. If our users just don't upgrade, then it will be very affected, the use of Huabei needs to be officially confirmed and after authorization, if the user is interested can terminate the authorization by turning off the phone bill. If we can't fully enter the program system with the upgrade of Huabei, then the user situation of several people will not be able to better access this information, so we may have certain restrictions on the cost of this part of the non-upgrade in the future, because there is still a problem of bad users cashing out.

Yes, if the user refuses to upgrade, there will be no way to continue to use Huabei, if you still want to continue to use Huabei, you can only choose to upgrade Huabei.

It will definitely affect the use of Huabei by itself, because if you refuse to upgrade, then Huabei's permissions will be stopped, and Huabei will also be disabled.

Yes, and in this case, it will affect the future use, and it will also affect the quota, and it will also affect the personal credit index.

Huabei. Steps to cancel credit reference authorization:

1.In Huabei, open [My] - [Help Center].

2.Select [Huabei Early Settlement] to pay off all the arrears.

3.Return to [My] - [Other] in Huabei.

4.Select [Close Huabei].

5.Then re-open Huabei, and then there will be no credit reporting authorization in the "Relevant Contracts and Product Descriptions".

Extended information: First, in the agreement to re-open Huabei, there will be no "Personal Credit Information Inquiry and Submission Authorization Letter", but this method may affect the amount of our Huabei, or even cannot be opened, so it needs to be operated with caution.

Second, it is different from Huabei's consumer loans, borrowing Beibei and Jingdong gold bars.

Micro loans can be borrowed directly, that is, they can be used directly for withdrawal. Taking Alipay as an example, the amount applied for borrowing can be directly transferred to the "balance" in Alipay, that is, it can be withdrawn to the bank card. This model belongs to small loans, which must be on the credit report.

Previously, Huabei was not included in the credit system because it could only be used for consumption and did not have such product attributes.

Third, the Huabei quota is closely related to Sesame Credit, as well as its own consumption habits and financial management. In the case of a good credit record, Alipay will regularly increase the limit for some Huabei users, and at the same time as the limit is increased, some users have taken the lead in accessing the credit investigation.

Fourth, Alipay users have received notices of Huabei service upgrades since June, which reads: In order to continue to provide you with high-quality Huabei services in Guess Shi Town, in accordance with relevant laws and regulations.

and regulatory requirements, the completion of this upgrade needs to be confirmed. Among them, the authorization letter for credit reporting is in the content of this upgrade service.

5. After the user agrees to Huabei's upgrade to the service of Suicous, the basic information, Huabei quota and repayment will be reported to the central bank's credit information system on a monthly basis.

However, before the authorization to upgrade the service and access the credit information, no matter whether it is overdue or not, the discussion will not be reported, and it will only affect the Sesame Credit score.

Operating environment: Alipay Apple 12 Alipay.

Nowadays, many people will encounter the problem of insufficient funds, so they will use micro-loan products to spend, among which Ant Huabei is widely loved by people. However, many people are worried that overdue will have an impact on their credit reporting, so they want to know whether Huabei's personal credit authorization is in **, can it be canceled?

Many people are no longer satisfied with just living a worry-free life of food, clothing, housing and transportation, and sometimes they would rather overdraft their consumption to improve their living standards, so in the case of insufficient funds, small loan products can play its role. Among them, Huabei has attracted a lot of attention due to its moderate amount, convenient and fast application, guaranteed security, and wide practicability.

Generally speaking, the usable amount of Huabei is between 500-50,000 yuan, according to the user's use of Alipay and personal credit, each person gets a slightly different amount, in the subsequent use, the system will automatically evaluate the user's use to adjust the limit. But the recent Huabei credit information authorization issue has caused heated discussions. Let's take a look at the questions about Huabei credit.

Clause. 1. Does Huabei open credit authorization?

Some users' Huabei is not linked to credit reporting, but some users' use of Huabei is linked to credit reporting. This is due to the fact that after evaluating the user's consumption level, Huabei will recommend upgrading Huabei to users with high spending power. After the upgrade, the user will get more credit, but this upgrade is not unconditional, once the user agrees to upgrade Huabei, then this means that the user's personal Huabei has been authorized for credit reporting, so if it is overdue, it will not only affect the sesame credit score, but also affect the credit information.

Therefore, if the upgrade is carried out, then the user has opened the old credit authorization. If the user does not want to authorize the credit investigation, they can also choose not to upgrade.

Clause. 2. Can I cancel the credit investigation authorization after it has been activated?

It can be canceled after the credit investigation authorization is activated. The specific steps are as follows:

1.Find "Huabei" in "Talk Code Alipay" and open it.

2.Click "Mine" in "Huabei" and find "Other".

3.Click on "Other", select "Huabei Settle in Advance", and then follow the operation prompts to settle all the arrears.

4.Go back to "My", go ahead and select "Other", and then click "Close Huabei".

5.Re-open Huabei according to the operation prompts again, as long as you no longer authorize the upgrade, you will not be authorized to personally credit reporting.

But what you need to know is that although Huabei, which is opened in this way, has closed the authorized credit information, its amount will change. And regardless of whether Huabei authorizes credit investigation or not, users must ensure that they repay on time, so that they can use Huabei normally.

This one can't be turned off. Because now Huabei wants to fully connect with the credit information, the system will let you upgrade, and the usage record of the account will be reported after the upgrade.

Ant Huabei has been officially launched since April 2015, mainly used for shopping on Tmall and **, and has been loved by the majority of consumers, especially post-consumers. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas.

Ant Huabei has only been online for half a month, and more than 1.5 million merchants have opened Huabei on Tmall and **. Many merchants who respond faster have begun to modify the description of the baby and directly add the words "support Huabei", in order to attract consumers more accurately.

The person in charge of Durex Tmall*** told reporters that for new users of Ant Huabei, a product specially launched sold more than 10,000 copies a day, and the inventory was sold out for a week.

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.

Ant Huabei supports multi-scene shopping use. Previously, the main application scenarios were ** and Tmall, ** and most merchants in Tmall can use its payment.

Ant Huabei has stepped out of the Ali e-commerce platform and has connected to more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon, Suning, etc.; Local life services**, such as word-of-mouth, Meituan, Dianping, etc.

The above content reference: Encyclopedia-Huabei.

On September 22, Huabei announced the latest progress of access to credit information. The announcement shows,Under the guidance of the credit management department of the central bank, Huabei is gradually promoting the work of accessing the central bank's credit information system. At present, on the basis of obtaining the user's authorization, some users have been able to query Huabei records in their credit reports, and the credit information service will gradually cover all users in the future.

In this regard, Bank of Shanghai and other financial institutions said that the normal use of Huabei and maintaining good repayment habits will not affect the loan.

Secondly, it is not a bad thing for individuals to get on the credit report. For most ordinary people, many people are a little afraid of credit information like "jackals and beasts", but in fact, this is a reflection of the lack of understanding of the credit system. From the perspective of the whole world, the more perfect the credit system, in fact, the better the financial services for most people, to take the simplest example, in the more perfect economies in the West, a person has a lot of business used in life on the credit and people who have not been on the credit at all, the former is often easier to be trusted by banks and other financial institutions, can get more credit support from the bank, this is the benefit of credit, so credit is not a bad thing, and even get better financial services.

Third, will we ordinary people be affected when they use Huabei? For most people, Huabei is included in the credit information system will not have much impact, and even in addition to the change of the authorization agreement, everyone will hardly have any perception, as long as everyone uses Huabei normally, there is no overdue, in fact, it will not affect the bank's credit, and people who repay on time can also continue to increase their good credit history, helping themselves to gain the trust of the bank more easily. Therefore, under normal circumstances, everyone who uses Huabei is actually how to use it, but it is still necessary to remind you not to overdue.

Therefore, it is normal for Huabei to be included in the credit investigation, there is no need to overreact, and there is no need to worry too much.

How to use Huabei correctly

1.Don't be overdue, repay on time: This is easy to understand, overdue means that there is a problem with your funds, and the risk is greater.

Even if you don't pay the full amount at the moment, you can also apply for installments. Of course, the installment rate is very high, so you still have to live within your means, and you must be a free prostitute. In fact, more than 70% of Huabei users have never paid interest, which can be described as a victory for the white prostitution party.

2.Don't borrow long: For example, don't hold too many credit cards, have two or three cards, and enjoy mainstream features and discounts, which is more appropriate, and try not to borrow to make up for the west. If it is an online loan, do not borrow more than one loan at the same time.