Will the use of Huabei affect credit investigation when opening Huabei now?

It can be clearly said that Huabei is on credit like a credit card, but don't be afraid, as long as you don't blindly sell fees in the process of use, plan expenses, repay on time, and maintain good credit, you can not only increase the amount, but also bring more convenience.

Will opening Huabei, using Huabei, and repaying in installments on time go to the national credit system? Alipay's Huabei is not on the national credit system, it will only affect your own sesame credit score and indirectly affect your own credit!

Huabei will not affect the credit information, whether you open it for use or do not return it after the deadline, it will not be on the central bank credit information, and the corresponding overdue negative records will be reported to Sesame Credit after the deadline, and the Sesame Credit Branch will directly have an impact on Ant Credit. If you want to understand this problem, you must first know the opening conditions of Ant Huabei, generally speaking, as long as the sesame score is above 600, you will have the opportunity to open, from the feedback of users, the threshold of Huabei is very low, as long as there is no serious default, many people have a quota, which is much easier to open than borrowing.

Huabei does not check credit, mainly Alipay uses big data to review the user's qualifications, and it will be automatically opened when the conditions are met, so it will not check the central bank's credit.

2. Will Ant Huabei use credit at the meeting?

Alipay's official Weibo has given a clear reply to this question:

1. The service subject of Huabei did not inquire and report to the central bank for credit.

So how does Huabei control risks? Of course, it relies on the strong system of Sesame Cent and Alipay. Once Huabei is overdue, the sesame points will definitely be reduced, which will affect the amount of Huabei, and may even be closed, Alipay's other lending products will be affected, and will be restricted in many ways, and some new features will not be open to you for trial, in short, it is very cost-effective.

Xi Caijun suggested that everyone must remember to repay, after the upgrade of Huabei in 2018, other financial institutions were introduced, and it is possible that there will be credit investigation, and the penalty for default is more serious, as long as the normal use has no impact on credit reporting.

Alipay's Huabei will not affect everyone's central bank credit system. 2. Alipay Huabei, whether you open it for use or fail to pay it back after the deadline, it will not be on the central bank for credit, but it will affect your credit in Alibaba, which will directly affect Ant Credit. 3However, it is best to repay the loan on time when using Huabei, because Ant Credit also has many functions.

And although the use of Huabei will not affect credit reporting, we should not have a sense of dependence on Huabei, I hope this can help you.

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