Some Huabei users have access to the central bank’s credit reporting system Recently, Huabei has been connected to the central bank’s credit reporting system in the form of service upgrade. Alipay customer service stated that currently only some user groups have access to the central bank’s credit reporting system. For users who have access to the central bank's credit reporting system, their basic information, Huabei credit limit and repayment status will be reported to the central bank's credit reporting system on a monthly basis. When advance consumption becomes people's daily payment habit, Huabei, Jiebei, JD Baitiao and Weilidai are gradually becoming more choices for contemporary people after credit cards. As micro-loan products, it is well known that Jiebei and Weilidai will definitely be included in the credit report. Huabei has also recently connected to the central bank’s credit reporting system by upgrading its services. In response, I called Alipay's customer service, who said that currently only a part of the user group has access to the central bank's credit reporting system. What kind of user groups have access to the credit reporting system? According to the instructions of the customer service, users can find the answer in Huabei's "relevant contracts and product descriptions". If your product agreement contains a "Personal User Information Inquiry and Reporting Authorization", then your information has been connected to the credit reporting system. If there are only the "Huabei Service Agreement", "Zhima Service Agreement" and product description, your relevant information has not been connected to the credit report. What is the service upgrade and access to credit reporting? Unlike Huabei's consumer loans, Jiebei, JD Gold Bars, WeBank Loans, etc. can all borrow cash directly, that is, they can be used directly for cash withdrawals. Taking Alipay as an example, the amount applied for by Jiebei can be directly transferred to the "balance" in Alipay, which means it can be withdrawn to a bank card. This model belongs to micro-loan and must be reported to the credit bureau. Previously, Huabei could only be used for consumption and did not have the attributes of such products, so it was not included in the credit reporting system. As we all know, Huabei's credit limit is closely related to Sesame Credit, and is also related to one's own consumption habits and financial management situation. In the case of good credit records, Alipay will regularly increase the credit limit of some Huabei users. However, few people know that while the credit limit is increased, some users have already been connected to the credit reporting system. Recently, Alipay users have also reported that they have received notifications of Huabei service upgrades since June. The content shows: In order to continue to provide you with high-quality Huabei services, according to relevant laws, regulations and regulatory requirements, you need to confirm the completion of this upgrade. Among them, the authorization letter for credit reporting is included in the content of this upgraded service. We also received information after consultation that after users agree to upgrade Huabei's service, their basic information, Huabei credit limit and repayment status will be reported to the central bank's credit reporting system on a monthly basis. Before authorizing the upgrade of services and connecting to the credit reporting system, no matter whether it is overdue or not, it will not be reported and it will only affect the Sesame Credit score. According to the "Authorization for the Use of Personal Financial Information and Credit Inquiry Reporting", the provider of Huabei service is Chongqing Ant Microfinance Co., Ltd., which is also the institution that conducts credit reporting on Huabei. Industry insiders also said that for white-collar households, it is not a bad thing to be included in the credit report as long as there is no overdue payment, and it will also leave a good repayment record. But it is not a good thing for those who frequently use online loans and borrow money. But before that, some users showed that their bank loan approval was affected by Jiebei and JD Baitiao. |
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