Will the Huabei usage record be displayed on the credit report?

HuabeiUsage records may not necessarily appear on credit reports. If the user's Huabei is on the credit report, then Huabei's loan record and repayment record will be reflected in the personal credit report.

Middle. If Huabei is not on the credit report, the relevant records of Huabei will not appear in the personal credit report. Only some users' Huabei has been connected to the credit report, and whether there is a credit investigation is mainly based on whether the Huabei agreement has a "Personal Credit Information Inquiry and Submission Authorization Letter".

There is a "Personal Credit Information Inquiry and Submission Authorization Letter", which means that the user's Huabei is connected to the credit investigation, and when the user's Huabei is connected to the credit investigation, then the loan must be repaid on time.

Huabei usage records may not be displayed on the credit report.

Huabei is used normally and will not be recorded on the credit report.

If there is an overdue, it will be recorded.

Huabei is included in the bank credit report. The use of Huabei may affect personal credit and subsequent bank loans, such as housing loans and car loans. The full name of Huabei is Ant Huabei, which is a consumer credit product launched by Ant Financial, and after applying for opening, you will get a consumption limit ranging from 500 to 50,000 yuan.

When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of spending first and paying later.

If the user's Huabei has been connected to the People's Bank of China credit system, then the Huabei usage record will be on the credit report. If the user's Huabei is not connected to the credit information, then the usage records, repayment records, and overdue records will not be on the credit report, so that no matter how the user uses Huabei, it will not affect the personal credit investigation. Regardless of whether Huabei is on the credit report or not, users need to repay on time.

Even if it only affects Sesame Credit, it will have a great impact on users, and borrowing products such as borrowing and reserve funds will be intuitively affected.

Check the credit report and can't see Huabei's consumption records.

At present, Huabei has not been connected to the central bank system for the time being, and Huabei's overdue will mainly have the following three impacts:

1. Functional limitations: Once Huabei is overdue, the Huabei function will be directly restricted and cannot be used, and whether it can be restored after paying off the arrears is evaluated by the system from time to time, and manual intervention cannot be made.

2. Negative records: After Huabei is overdue, the corresponding overdue negative records will be reported to Sesame Credit, which will affect the Sesame score.

3. Overdue interest: After Huabei is overdue, there will be corresponding overdue fees, overdue fees = overdue amount * overdue days *

1.If Huabei is overdue, it will be recorded in the personal credit report. Before Huabei was upgraded, Alipay's credit system was Sesame Credit, and the user's overdue date would not be reflected in the personal credit report.

After the Huabei upgrade, Alipay will be connected to the personal credit system, and the user's overdue record will be reflected in the personal credit report.

On May 11, Alipay announced its cooperation with Netlink. Alipay has completed system docking, joint debugging testing and production verification with the network company. Alipay will also continue to provide users with the best payment business under the guidance of regulatory authorities.

3.Unlike UnionPay, there is no competition between NetPay and Alipay, and NetPay is a pure clearing institution, while UnionPay and Alipay are competitive. Netlink provides inter-bank fund clearing for acquiring banks, which means that Alipay has become a partner with banks.

4.Judging from the announcement issued by Alipay, Alipay has completed the docking with the central bank's personal credit system, whether it is overdue in Huabei or overdue in borrowing, Alipay will send the user's overdue record to the central bank's personal credit system.

5.Alipay's access to the central bank's credit system is also to protect the safety of users' funds. Before Alipay was connected to the credit system, banks could not detect the flow of Alipay's funds, nor could they prevent criminals from using Alipay to launder money.

Extended information: 1. Ant Huabei: It belongs to the consumer loan service in the consumer financial service, which mainly provides overdraft payment services for consumption, which is equivalent to the consumption function of traditional credit cards, and realizes the user's credit overdraft consumption model of "consumption first, repayment later", and solves the credit problem of traditional consumption.

2. Ant Borrowing: It is a cash loan service in consumer financial services, mainly providing cash lending services, users can take out loans after getting the official invitation with good personal credit, without any guarantee or mortgage, which solves the problems of cumbersome traditional small loan process and difficult borrowing, and the main operator is Chongqing Ant Shangcheng Small Loan. Sweet Potato:

Sweet potato Beibei is to provide Internet loan services on the WeChat public platform, the function is the same as that of ant borrowing, all of which are to provide services to solve the urgent needs of users, but there is no complicated procedure, after paying attention, you can get tens of thousands of dollars for the first time, and more than 100,000 yuan with good credit is not a problem, and you can also get up to 200,000.

Operating environment: iqooneo3 Alipay.

Here's how:

1.Log in to Alipay and click on the button "My" below.

2.In the drop-down menu, find "Huabei."

Options. 3.Click "Mine" on the Huabei page.

4.Click on the relevant contract and product description, if your Huabei has been included in the credit system.

Then there will be a letter of authorization for the credit information inquiry and submission of the Zheng nuclear person.

5.If there is no "Personal Credit Information Inquiry and Submission Authorization Letter", it means that the credit investigation has not been submitted, but in the future, the credit information service will cover all users.

Extended information: What is the impact of Huabei credit information:

1. Some industry experts said that Huabei's access to credit is a good thing, which can more truly reflect a person's creditworthiness. Huabei said that under normal circumstances, if you use Huabei normally and maintain good usage and repayment habits, the financial services you receive will not be affected, and it will not lead to difficulties in obtaining loans.

2. Huabei data shows that more than 99% of Huabei users have good usage records, and it is recommended to continue to maintain scientific and rational usage habits, live within their means, and make reasonable use of credit tools. In addition, Huabei also reminded in the announcement to beware of all kinds of network telecommunications fraud in the name of credit reporting.

Behavior. 3. Huabei said that it will not contact users on the grounds of credit information, and will not ask users to transfer money or pay, and any behavior that claims to be able to "repair" credit information for a fee, or delete credit records, is a fraud.

4. In terms of the frequency of submission, Huabei's information will be summarized and included in the credit reporting system on a monthly basis, and will not be submitted in a single transaction, nor will it report specific consumption information such as consumption content and consumption time. Therefore, access to credit information will not expose the specific consumption information of individuals, nor will it lead to a sharp increase in the number of credit records.

5. On the premise of obtaining the user's authorization, some users can already check the relevant records of Huabei in the credit report. In the future, credit investigation services will gradually cover all users.

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

1. If the user uses Huabei.

Make a payment, then the credit information will record the amount you used, and if you repay Huabei within the specified time, then the credit information system.

Your repayment record will be recorded, and it will be shown as creditworthy on the credit report, and a good reputation for a long time will give you an increase in the Huabei usage limit.

2. If the user uses Huabei to make payment, but does not repay the loan according to the specified time, then the credit information system will record your overdue transaction, and it will be displayed as poor credit on the credit report.

If you want your reputation to be good, you must always keep repaying the Huabei amount within the specified time. Credit is very important to a person, credit represents whether you can enjoy equal rights and obligations in accordance with the law, and the quality of credit is determined according to the actual situation of the borrower, and the borrower needs to pay attention to his repayment date, do not forget to cause overdue repayment, which will have a bad impact on his reputation. After using Alipay Huabei, when you need to repay Huabei, Alipay's system will prompt you to repay, which is a very good function, so that you can urge yourself to repay.

Extended Materials. Generally speaking, the impact of Huabei on credit investigation should be analyzed in two parts: before and after the loan.

The details are as follows:

Before the loan is disbursed, Huabei may inquire about the user's credit information. Once Huabei inquires about the user's credit information, it will leave a query record on the credit information. However, you don't have to worry, the normal credit inquiry record will not have a negative impact.

After the loan is disbursed in Huabei, if you can repay the loan on time and in full, then there will generally be no information left on the credit report. However, once the borrower has overdue repayment in Huabei, then the overdue record will be left on the credit report. In such a situation, Huabei will have a great negative impact on the borrower.

Huabei's use of credit information shows what impact should be determined according to the actual situation of the borrower. If everyone's Huabei borrows and repays in strict accordance with the regulations, then Huabei will often only display query records when using credit information. If everyone's Huabei has overdue repayment, then it is very likely to show the overdue record on the credit report, that is, there will be a stain.

The loan products of Internet companies have different regulations on credit inquiry. For example, the staff of Ant Financial said that the credit bureau corresponding to Ant Huabei is Sesame Credit, not the central bank credit, so it will not affect the number of personal credit inquiries. Since Ant Borrowing is a loan from Ali Small Loan, it has to check the credit report for borrowing and repaying money.

The five-year starting point here is from the date of termination of the misconduct or event, not from the date of the misconduct. In other words, if a loan is overdue, it can only be deleted after another 5 years when the arrears are repaid, rather than being automatically eliminated after 5 years from the date of overdue.

Normal use of Huabei.

The records will not be reported on the credit report of the People's Bank of China.

Huabei has not yet authorized the upload to the central bank.

Credit Information Center. The customer service said that the user needs to take the initiative to check and agree before it will be credited. If you do not check "agree" and other operations, there will be no collection of credit information, personal credit.

It is still only owned by Sesame Credit.

There are two possibilities for Huabei to access credit information: one is to increase the amount of Huabei, and the other is to upgrade Huabei services, in these two processes, Huabei will prompt "Clicking the button is deemed to be your agreement to the "Huabei Service Agreement" and the "Personal Credit Information Inquiry and Submission Authorization Letter" and other agreements, and agree to authorize the inquiry and submission of relevant information to the basic financial credit information database. "After checking the box, it is deemed to agree to access the central bank's credit information.