Ant Huabei won't go on credit investigation. Only by borrowing can it go on credit investigation. Huabei has established relevant credit investigation mechanisms with sesame credit and the credit investigation center of the central bank. If someone maliciously overdue, such as long repayment time, large amount of money, and can't contact the user, it will affect the user's credit record. If it just forgets repayment, it will not affect the credit within the grace period.
Does ant flower affect personal credit
The bank's internal credit reference system mainly focuses on the banking business, such as credit cards, bank loans, etc. if there is no access to Internet lending, there will be no records.
Alibaba's official explanation is that if it is seriously overdue, the overdue record will be reported to the central bank's credit information system. In other words, if a loan item is used on the Internet, serious overdue will appear in the credit report, affecting personal records.
Since Ali's "borrowing" is mainly connected with Ali's small loan, it is likely to be reflected in the credit report as "credit loans issued by small loan companies". The use of wechat loans is actually to apply for credit loans from wechat bank, which is a bank qualification, so it is likely to be shown in the central bank's credit report.
At present, there are three kinds of information in the personal credit report of the credit information system. The first type is personal basic information, including name, certificate type and number, correspondence address, contact information, marital status, residence information, occupation information, etc.; the second type is credit transaction information, including credit card information, loan information, etc., which is mainly to verify the personal loan situation in the recent five years, whether there are credit card overdue records, etc; The third type is other information, including query records, which generally shows the reasons, methods and times of query of individuals or institutions.
What should we do if we are late
If Huabai is overdue, you can still use it as long as you pay off the debt. If the debt is not paid off, the user tmall will not be able to sign a contract or pay for the use of flowers for seven days after the installment is overdue. On the contrary, the installment purchase fails to pay after 7 days of overdue payment (the installment purchase is not signed independently). The user's overdue amount will return to normal.
If the user's tmall installment or Huabei is overdue for 30 days, all products can't be signed or paid for, and the consumer credit products such as Huabei and Tianmao installment can't be used forever, and the consequences are quite serious. In addition, if the current payable amount is not paid off before the repayment date, the corresponding overdue interest will be generated, and the overdue interest will be charged by 0.05% of the current outstanding amount on a daily basis.
It should be noted that a good repayment record will help the user's credit. Please repay on time so as not to affect the credit due to bad records. Therefore, we must keep in mind the repayment date of Huabei (10th of every month).
Ant Huabei won't go on credit investigation. Only by borrowing can it go on credit investigation. Huabei has established relevant credit investigation mechanisms with sesame credit and the credit investigation center of the central bank. If someone maliciously overdue, such as long repayment time, large amount of money, and can't contact the user, it will affect the user's credit record. If it just forgets repayment, it will not affect the credit within the grace period.