How to know whether your Huabei has a credit report?

In 2020, Ant Huabei will connect some users to the central bank’s credit report system. If you want to check whether your Huabei has If you have been connected to the credit report, just log in to the Alipay APP, click to enter "Huabei", then click "My" in the lower right corner of the Huabei homepage, then select the "Related Contracts and Product Descriptions" column and click to enter and take a look It will suffice if it shows the "Authorization Form for Inquiry and Submission of Personal Credit Information".

If the "Personal Credit Information Inquiry and Submission Authorization Letter" is displayed, it means that Huabei has been connected to the central bank's credit reporting system, and if it only displays the "Huabei User Service Contract", If the "Sesame Service Agreement" and product description are included, it means that Huabei has not yet been connected to the central bank's credit reporting system.

Of course, customers can also log in to the "Official Website of the Credit Information Center of the People's Bank of China" and go to the "Internet Personal Credit Information Service Platform" to check the personal credit report to see if there are Huabei-related consumption and repayments shown. Record.

Everyone needs to note that if Huabei has been connected to the credit report, it should be used more cautiously. Because if it is used improperly, such as overdue repayment, in addition to reporting to Sesame Credit, it will also be reported to the central bank for credit reporting, which will leave a bad record on the personal credit report and affect the personal credit report. How to check whether Huabei is on the credit report

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android 11 MIUI 13

App version: v10.2.53

The method to check whether Huabei is on the credit report is:

1. Open Alipay and click My-Huabei;

2. Then click on My - Related Contracts and Product Descriptions;

3. If the authorization letter for personal credit information inquiry and submission is displayed, it means that Huabei has gone to the Central Bank for credit reporting. If there is no such item, then No credit report.

Four. Then click Authorization Form for Inquiry and Submission of Personal Credit Information - Authorization Form for Inquiry and Submission of Personal Credit Information to view the credit information details.

Will there be a credit check when using Ant Huabei?

Alipay’s official Weibo has given a clear reply to this issue:

1. Huabei’s service subjects have not inquired/reported to the central bank for credit reporting.

2. Regardless of whether a credit report is reported, it is definitely correct to repay your debt on time, because this can help you accumulate good credit and thus obtain better financial services.

So how does Huabei control risks? Of course, it relies on the powerful systems of Zhimafen and Alipay. Once Huabei is overdue, Zhima points will definitely be reduced, which will affect the limit of Huabei, and may even be closed. Alipay's other lending products will be affected and will be restricted in many aspects. Some new features will not be open to you for trial. In short It's very uneconomical.

What are the consequences of Huabei's overdue repayment, apart from being subject to a credit report in serious cases?

1. Incurring high penalty interest

When Huabei is overdue, overdue fees will be incurred like a credit card. Overdue penalty interest will be charged at 0.05/day of the unpaid amount in the current period. If you owe Huabei 10,000 yuan and you pay it back 5 days after the due date, the penalty interest you have to pay is: 10,000*0.05*5=25 yuan!

0.05 may not seem like much, but it is calculated on a daily basis. Yes, it will cost a lot of money over time.

2. Encountering fancy collections

If Ant Huabei fails to repay its debt, just like if it fails to repay a loan on an online loan platform, collection personnel will call to "remind" it every three days. Pay back the money quickly. It would be better to call Ant Huabei customer service, at least the attitude would not be too bad, but if you encounter an outsourced collection staff, it is normal to yell at them and threaten them.

This is nothing. If you still do not pay back the money after being collected, your Alipay and address book friends may be "harassed". People around you will know that you owe money and refuse to pay it back, and they will urge you to pay it back every now and then.

3. Reduce Zhima Credit Score

When it comes to Zhima Credit Score, if it is better, it can increase by 6 or 7 points every month, and if it is worse, it can increase by 1 or 7 points every month. 2 points, many people’s Sesame Credit scores are unshakable and have not increased for several months in a row. It’s okay if the Zhima Credit score does not rise. If Huabei is overdue for a long time, the Zhima Credit score will plummet, and the magnitude will be particularly large.

There was a person who had a Sesame Credit score of 732. He forgot to pay back the Huabei two weeks after the due date. As a result, the Sesame Credit score directly changed to 550 on the 6th of next month, a sudden drop of more than 100 points.

So, Huabei still needs to be used normally and repaid on time. If you are worried that you will forget to repay, you can deposit more money in Alipay or the bank card bound to Alipay, and let Huabei deduct it on the repayment date. How to check whether your Huabei has been included in the central bank's credit reporting system?

So how do you check whether the Huabei you are currently using has been included in the central bank’s credit reporting system? The method is actually very simple, the steps are as follows:

1. Open the Huabei interface of Alipay:

2. After entering the Huabei interface, click mine:

3. In the My interface, find "Related Contracts and Product Descriptions":

4. In the relevant contracts and product descriptions, look for the "Personal Credit Information Inquiry and Submission Authorization Letter", yes It means you have connected to the central bank’s credit reporting system. If not, you probably won’t be able to use Huabei now.

Finally, I checked my own "Personal Credit Information Inquiry and Submission Authorization Letter". What's strange is that I don't know when and under what circumstances I agreed to sign this authorization letter. . Huabei was launched in April 2015, but this authorization letter was signed on June 29, 2019. It is very magical. This should be the case for everyone, right? How to tell whether Huabei has a credit report?

We know that Jiebei has always had a credit report, so is Huabei now a credit report? How to check whether my Huabei is on the credit report?

Some users may forget whether they have upgraded their Huabei services, and they may not know whether their Huabei has been credit-reported. Users can use the following methods to check whether Huabei is connected with credit reporting:

1. After logging into Alipay, the user directly enters the personal page;

2. Then, click " "Huabei", enter the Huabei page, and you can see the usage of Huabei;

3. Click the "gear-shaped" icon in the upper right corner, which is settings;

4. After entering, you can see "Relevant Contracts and Product Descriptions", click to enter;

5. You can find the "Personal Credit Investigation Submission Authorization Letter" inside;

Yes The authorization letter means that the user's Huabei has been connected to the credit report. According to national regulations, the platform must have user authorization before reporting Huabei to the credit report. If there is no authorization letter, it means that the credit report will not be submitted yet. However, Huabei will also gradually access credit reporting in the future.