Does Micro Loan Installment Affect Credit Investigation? Will micro loans affect credit reporting?

There is a record after the installment, which does not affect the credit investigation! However, once it is expected, it will affect the credit investigation.

This micro loan instalment will not affect any of your credit information. As long as you repay the loan on time at that time, it will have no impact on your credit investigation.

First of all, you need to authorize the inquiry of personal credit information when applying, and the loan record will be uploaded to the personal credit report after the loan is successful. Timely repayment is conducive to maintaining personal credit, while overdue repayment will cause bad credit, which will affect future mortgage loans, car loans, and credit card applications. In addition, frequent checking of the micro loan limit will increase the number of credit inquiries, and too many inquiries will also affect the success rate of loan applications.

As long as there is no arrears, micro loans will not affect the credit investigation, and generally speaking, most online lending platforms have not officially connected to the credit information system of the People's Bank of China.

If the borrower's overdue is not serious, the platform will not take the initiative to report the loan and overdue records to the PBOC. However, some users broke the news on the Internet that they only opened the micro loan in the WeChat wallet, and immediately withdrew after seeing the limit, and then did not do any operation, and waited to check the personal credit again.

, WeBank appeared on it.

, the reason is the loan approval. In this case, it is likely that the total credit line will be occupied.

If the personal credit report is checked too many times (more than 6 times) within half a year, it is likely that it will be directly rejected when applying for a loan at the bank.

Of course, if a user applies for a loan on WeChat WeLoan too many times and fails to repay the loan on time, it is likely that they will be directly rejected when they apply for a loan at the bank. Because in the eyes of banks, borrowing money from small loan companies is, on the one hand, that the borrower is very anxious and short of money; On the other hand, the interest rate of small loans is so high, and the user can accept such a high interest rate must have problems with assets or funds, so there is a certain risk if it is a loan.

How to open a micro loan

WeLoan is launched by WeBank, the first Internet bank in China, which is relatively safe and adopts an unsecured and unsecured model, which is suitable for young people to use in an emergency.

Or hand q wallet to see the official entrance of micro loan. Click on the WeLoan entrance to enter the application process and follow the instructions on the mobile interface. Under normal circumstances, the credit application can be completed in three to five minutes, and the micro loan can be used after the credit is successful.

If you are not an invited user, you will not be able to see the entrance of WeLoan, but there is no need to worry, the official of WeLoan is expanding the scope of opening, everyone can wait patiently, and do not believe the strategy stickers of opening on behalf of strangers and forced opening, so as not to be deceived.

After the credit is successful, everyone clicks on the loan under the limit, and in most cases, the cash will arrive in less than a minute. This arrival speed is still very fast in the industry, and it is very suitable for emergency use.

The money borrowed from WeLoan will be transferred to the bank card designated by the person. WeLoan has a strict review process and risk control system to ensure the safety of users' funds, and everyone must keep their bank cards, bank card passwords and corresponding payment passwords and do not disclose them at will.

The opening of WeLoan is completely free of charge. In the normal process of using WeLoan, there is no additional cost except for the interest generated by the borrowing, and the loan is repaid in advance.

There will be no fees or penalties charged. Wait.

Summary. Micro loans will affect credit reporting. At present, WeLoan has been connected to the credit information system of the central bank, so the use of WeLoan by users will have an impact on personal credit reporting.

Micro loans will affect the loss and delay of the credit report. "Micro loans are on the credit report. The installment of WeLoan is equivalent to a personal sales bucket consumer loan, and WeBank will report the credit investigation in accordance with the requirements of the People's Bank of China.

When applying for a micro loan, the system will also improve the need for credit inquiry personal credit report before continuing to apply, indicating that applying for a loan in micro loan is to check the credit and go on the credit report.

Micro loans will affect credit reporting. At present, WeLoan has been connected to the credit information system of the central bank, so the use of WeLoan by users will have an impact on personal credit reporting.

Generally speaking, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, and if the borrower is not seriously overdue, the platform will not take the initiative to report the loan information and overdue records to the People's Bank of China.

A revolving consumer loan launched.

Extended information: 1. Micro Loan is a microcredit loan product, which can be borrowed and repaid at any time, which is very suitable for users with short-term and temporary loans. At present, the official invitation system is adopted, and some users who meet the current credit conditions are invited to use it.

It is an unsecured and unsecured loan product, which can be used only if the user has good credit and meets other conditions.

2. Moreover, "WeLoan" is the first Internet bank in China, Tencent WeBank, to launch a pure online personal microcredit revolving consumer loan product for WeChat users and mobile QQ users. That is, the system invitation system, only the system invites you, open to you. It is necessary to use more Tencent products, including instant messaging, online shopping, and online payment, as well as virtual consumption, relationship chains, games, behaviors, and basic portraits.

product, this estimate is the fastest.

3. In addition, the loan amount of micro loan is between 20,000 and 200,000 yuan, and you can make the loan 15 minutes after you apply for the loan, and the loan amount is based on your personal basic situation and your personal credit.

The amount given by the record will not be raised in the short term after the quota has been successfully granted. A whitelist is used.

Active customers among customers. One of the ways of real-name authentication is the card-bound users of QQ Payment, and these user account information has been strictly verified by the bank. Then match the data of the card-bound user with the data of Tencent's background, so that the accuracy of the match is extremely high.

4. Finally, WeLoan can provide us with 24-hour all-day loan service, with a maximum loan amount of 300,000 yuan, and cash can be received in 3 minutes at the earliest, without submitting any materials, calculating interest on a daily basis, and repaying in advance.

No penalty will be charged.

WeLoan also provides offline QR code scanning and consumption borrowing services, which can be borrowed and consumed by scanning the QR code offline at WeLoan's cooperative merchants, and the borrowed funds will be directly disbursed to the designated merchant accounts.