Will Huabei be on the credit report, and will Huabei be on the credit report?

Huabei is not on the credit report, but there is a trend of going to the credit report in the future, the specific time of the credit report is undetermined and not good**, in any case, repaying the money on time is the basic quality of every lender, if you don't pay back, no one will lend you money in the future. Because Huabei's service subject did not report to the central bank.

Credit investigation, so Huabei is overdue, and there is no overdue record on the credit investigation. However, although Huabei is not on the credit report, it does not mean that Huabei does not have to repay, after you are overdue on Huabei, your overdue record will be recorded in Sesame Credit.

Inside, negative records will also be generated on Alipay, and Huabei's overdue records will be reported to Sesame Credit, which will affect the Sesame score. It affects the normal use of Alipay, and there are overdue penalty interest and other expenses after Huabei is overdue, so it is best to repay on time.

First, the basic information of Huabei.

The full name of Huabei is Ant Huabei.

It's Ant Financial.

A consumer credit product launched will receive a consumption quota ranging from 500 to 50,000 yuan after applying for opening. When consuming, users can advance the amount of Ant Huabei and enjoy"Spend now, pay later"The shopping experience. On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was launched on the Shanghai ** Stock Exchange.

Listed, this 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 with registered capital.

from $3.8 billion to $12 billion. On May 18, Huabei announced that it would be open to banks and other financial institutions.

Second, Huabei is overdue.

Huabei was sued for overdue, mainly looking at two aspects, on the one hand, the number of days overdue, and on the other hand, the amount of arrears. If the borrower has the ability to repay the loan, but refuses to repay, legal measures will be taken.

The penalty shall be imprisonment for not more than three years.

For users who have not repaid within the time limit, Ant Huabei will remind the user to repay the loan within 9-13 days after the user's repayment date, through SMS, automatic voice, etc., and if the user has not repaid, it will be manually reminded after 13 days after the deadline.

According to the Criminal Law of the People's Republic of China.

Article 313 stipulates: Where a people's court refuses to enforce a judgment or ruling that it has the capacity to enforce, and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, short-term detention or a fine; where the circumstances are especially serious, the sentence is between three and seven years imprisonment and a concurrent fine. Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.

Ant Huabei emphasized that if the overdue amount is large and the user is still unable to be contacted many times, it will try to remind the user to repay the loan by contacting the related person. This is based on the usual practice in the credit industry, and is also intended to avoid overdue interest and damage to the credit history of users.

Huabei is overdue on the credit report.

Many people think that borrowing money on Alipay and WeChat, once it can't be repaid in time, it will not be like bank loans, and it will be like bank loans, leaving credit stains on the bank's credit system, resulting in no loan when buying a house in the future.

But in fact it may not be the case. The reporter noticed that "Ant Borrowing" claimed that "overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial information in accordance with regulations"; "Ant Huabei" also stated that "overdue repayment will incur corresponding overdue interest, and the overdue record will be submitted to Sesame Credit, which will affect the sesame score and may have a negative impact on your credit." ”

In this regard, the reporter also recently consulted Alipay customer service, and the other party said that if it is purely used "Huabei", "borrowing", etc., it will not be reflected in the credit record of the central bank at present. However, if it is seriously overdue, then the overdue record is likely to be reported to the central bank's credit system.

You can check whether Huabei is on the credit report through the following methods:

Operating environment: brand model: iphone13

First, you have to open Alipay and click [My] - [Huabei].

2. Next, click [My] - [Related Contracts and Product Descriptions].

3. If it shows [Personal Credit Information Inquiry and Submission Authorization Letter], then it means that Huabei has been listed on the central bank for credit.

Fourth, if there is no these, it is not on the credit report.

In addition, if the Huabei service has been fully connected to the central bank's credit system, every payment made by users who have upgraded the Huabei service on Huabei will be recorded by the credit in real time. In this case, in addition to paying overdue fees, users with overdue arrears in Huabei may also be affected when handling mortgages, credit cards and other businesses due to the existence of overdue records in Huabei credit information.

Huabei will be credited. The "Huabei" system is indeed gradually realizing the docking with the credit reporting system, and the user's usage will also be gradually included in the scope of credit report records. At the same time, many Internet financial institutions are also willing or planning to access the credit information system.

As for the impact of accessing the credit information system, industry insiders said that as long as users repay normally on schedule, the use of Internet consumer credit products will not affect personal credit records.

In the process of bank credit approval, inquiring about personal credit reports is a prescribed action for business approval, and personal credit reports have an important impact on credit decisions. The most basic function of credit history is to understand and verify the credit information of others, and to improve the information asymmetry between the two parties to the transaction through the dissemination of credit information, and to play a role in restricting the behavior of both parties to the transaction.

Borrowers with a good credit history will not only get a loan faster, but also have an easier time getting a higher loan amount and a better interest rate. On the contrary, if the borrower has a serious bad credit history, there is a possibility that the loan will be rejected by the bank in the credit application.

Spending money to "whitewash" bad credit is a rumor:

The credit "shoveling" and "whitewashing" advertisements in the society are all deceptive. The modification and deletion of data in the credit information system is initiated by the bank where the business occurs, and after strict approval and operation procedures, the credit information system automatically records the operation process throughout the process. If there are errors or omissions in the credit information, an objection application may be handled through lawful and compliant channels.

For negative credit records that have already been generated, article 16 of the "Regulations on the Administration of the Credit Reporting Industry" stipulates that "the retention period for credit reporting establishments of negative personal information 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". That is, from the date of paying off the arrears, after five years, the bad credit history will be eliminated.

The above content refers to Legal Network - Take care of your credit report.

The above content refers to People's Daily Online-The normal use of Huabei will affect personal credit.

Huabei has been fully connected to the central bank's credit information.

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".

The emergence of credit reporting activities stems from the emergence and development of credit transactions. Credit is a special form of value movement conditional on repayment, including forms such as money lending and commodity credit sales, such as bank credit, commercial credit, etc. The modern economy is a credit economy, and credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.

Application scenarios of Huabei:

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 access to more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon and Suning. Local life services**, such as word-of-mouth, Meituan, Dianping, etc.

Mainstream 3C official**, such as LETV, Haier, Xiaomi, OPPO and other official **.

Huabei is on the credit report, Huabei's lender is Alipay, which is just a credit card-like financial product launched by Alipay based on the user's personal credit. As we all know, Alipay is not a bank, so it is not under the management of the People's Bank of China Credit Information Center. However, after Huabei is overdue, the overdue record will be credited to Sesame Credit Card, which will affect the normal use of Alipay.

Therefore, it is recommended that users repay on time.

Extended Materials. Whether the service upgrade of Nianhuabei should be upgraded.

Many users have received a prompt of "Huabei Service Upgrade", and after signing the relevant authorization letter, their information will be reported to the central bank's credit information system. This means that if Huabei is overdue, it will affect the user's personal credit report, which is an important reference for individuals to apply for bank loans. A person from Ant Group told the China Times that Huabei has been accessing the central bank's credit information in batches and in an orderly manner since last year, and the relevant information of Huabei will be gradually incorporated into the credit information system under the premise of user authorization.

Recently, many users have received a prompt of "Huabei Service Upgrade", and after signing the relevant authorization letter, their information will be reported to the central bank's credit information system. This means that if Huabei is overdue, it will affect the user's personal credit report, which is an important reference for individuals to apply for bank loans.

At present, not all Huabei users have been connected to the central bank credit information, users can check whether the "Personal Credit Information Inquiry and Submission Authorization Letter" appears in the "Huabei-My-Related Contracts and Product Descriptions" column, if it is not displayed, it means that it has not yet been connected to the central bank credit information.

According to the authorization letter for personal credit inquiry and submission, on the basis of obtaining the user's authorization, according to the specific credit line ** obtained, the user's credit information will be included in the credit information system of the central bank by Chongqing Ant Consumer Finance****, or the bank that provides the credit line.

It is worth noting that Huabei will definitely obtain the user's valid authorization before reporting the credit report. If the user has not agreed to the upgrade and has not authorized it, it may affect the normal use of Huabei in the future, which shall be subject to the display of the credit information message.

After obtaining the user's credit authorization, Huabei usually reports the user's usage on a monthly basis, and does not report it one by one. The content of Huabei credit reporting includes basic account information, authorization information, and user's repayment information, etc., and will not involve the user's specific consumption records. And the information before signing the Huabei credit authorization letter will not be reported.

As long as it is authorized, Huabei will not notify the user separately before the credit report is reported. However, if it is necessary to report the user's overdue credit record, it will be notified in advance through SMS or service reminder, which is subject to the actual situation. If it is displayed, it means that it has not yet been connected to the central bank's credit information.

Huabei will not conduct credit investigations in installments, because Huabei's service users do not have credit investigations conducted by the central bank, Huabei is overdue, and there is no record of overdue credit investigations.

However, although the flower is not on credit, it does not mean that the flower does not need to be repaid. After the overdue date, the overdue record will be credited to the Sesame Credit Card. Alipay will produce negative records, affect the normal use of Alipay, and pay overdue fines and other expenses. It's best to repay your payments on time.

This will indeed affect a person's credit system, if you spend more money, and you do not repay the loan in time, then it is a particularly troublesome thing.

Hello. Huabei is an application in Alipay. Alipay is operated under the supervision and management of the central bank.

The nation's credit reporting system is interconnected. Therefore, Huabei, if it is overdue, it will also be on the credit network. will also be blacklisted.

Alipay opened Huabei for you, which is a trust in you. Since we have believed in us, we must keep our promises. We must return it on time, otherwise we will be included in the credit blacklist.

First of all, it should be clear that Huabei's overdue records will be reported to Sesame Credit, which will affect your Sesame Credit score and may have a negative impact on your credit. In other words, Huabei is overdue on the credit report, but the credit information here refers to Sesame Credit, not the People's Bank of China Credit. Of course, if there is an overdue, no matter what form it takes, it will always have an impact on personal credit.

In addition, Huabei's overdue repayment will incur corresponding overdue interest, which will be charged on a daily basis on the outstanding amount of the current period. The calculation formula is as follows: overdue interest = amount due for number of days overdue.

As long as Huabei users repay the loan on time and do not overdue, then the use of Huabei consumption will not affect personal credit reporting. However, if the borrower fails to repay the loan on time, it will affect personal credit, and Huabei will upload the overdue record to Sesame Credit.

Regarding the question of whether frequent use will affect Huabei's credit, Ant Huabei officially replied on Weibo, and at present, Huabei's service subject has not inquired about credit and reported to the central bank's credit. Therefore, the frequent use of Huabei will not affect personal credit, but it will not affect the credit is based on the user's timely repayment, if the user does not repay the arrears on time after using Huabei consumption, it will affect personal credit, and the user's overdue record will be recorded to Sesame Credit, which will affect the Sesame Credit Score, many services in Alipay have requirements for Sesame Credit Score, and if the Sesame Credit Score is reduced, it will affect many rights and interests of the user.