Many people don't understand the difference between Huabai and Jiebai. Today, let's popularize science: how do you write the explanation of Huabai and Jiebai encyclopedia?
1. Ant Huabei is a consumer credit product launched by ant financial services. After applying for opening, it will get a consumption line of 500-50000 yuan. When users consume, they can advance the amount of ant flower and enjoy the shopping experience of "consume first, pay later".
2. "borrow" is a loan service launched by Alipay. The threshold of current application is that sesame is over 600. According to different scores, the amount of loans that users can apply for ranges from 1000 to 300000 yuan. The longest period of repayment is 12 months.
Let's take a look at what Alipay customer service is saying. Ants are borrowing products. They will report the credit reporting system timely according to the relevant regulations. If overdue, the follow-up will affect personal credit records.
However, the corresponding credit reference institution of ant Huabei is sesame credit, not central bank credit, so it will not affect personal credit reference!
So, you don't have to worry, ant flower, bold use it!
Note: in addition to ant loan, Tencent wechat's "micro loan" is also a credit product of wechat bank. Borrowing money through it is the same as borrowing money from a bank, which is entered into the central bank's credit reference system. The overdue information of Suning's willful payment will also be uploaded to the credit information system of the people's Bank of China.
If you buy goods in Jingdong Mall, you don't need to check your credit. However, if you use a white note for daily consumption, tourism, education and decoration, you need to borrow money from a small loan company and check your personal credit.