What is the Huabei personal credit related contract?

The Huabei personal credit related contract refers to the "Personal Credit Information Inquiry and Submission Authorization Letter" pushed to the user by the Huabei platform. The user can After agreeing to the authorization, the user’s monthly bills and overdue repayments using Huabei will be reported to the credit report. That is to say, Huabei is connected to the Credit Information Management Center of the People's Bank of China, and subsequent use will be more standardized.

Users must repay the money on time after using Huabei. They must not make late returns, because late returns will incur penalty interest. The longer the time, the more the penalty interest will be. Moreover, banks will collect money after overdue repayment. A common method of collection is to call the borrower's phone number.

When Huabei cannot be returned on time, you can use installment repayment or deferred repayment. The number of installments you can choose are 3, 6, 9, and 12 installments, and the installment rates are 2.5, 4.5, 6.5, and 8.8 respectively. ; When using deferred repayment, the platform will charge a certain fee based on the amount of the extension. Deferred repayment can only be deferred once and must be returned on time on the next repayment date.

When Huabei is first activated, a quota will be granted based on the user's comprehensive qualifications. At this time, Huabei's billing date will be the 1st and the repayment date will be the 10th. After using Huabei for one year, you can change the repayment date of Huabei. You can choose the 15th or the 20th, and the billing date can also be changed to the 5th or the 10th.

Version information: Take Alipay version 10.2.60, Apple 13 (IOS15.4.1 system), Huawei mate40 (HarmonyOS2 system) as examples. What does personal credit related contract mean?

1. Personal credit related contract refers to the user’s personal information related to the credit investigation of the People’s Bank of China.

2. If "Personal Credit Information Inquiry and Submission Authorization" is displayed in the relevant contract and product description, it means that the central bank has collected loan and repayment records at the meeting. Conversely, the absence of such a contract means that loan records will not be reported to the People's Bank of China.

1. Can Huabei’s personal credit loan be canceled?

1. Huabei personal credit is an added item in the original credit contract, namely "personal credit information inquiry and submission of authorization letter". If you click to agree to this project, the loan and repayment records of subsequent users on the Alipay platform will be displayed, and it will be shown in the credit report that this project cannot be canceled.

2. You can view the relevant contracts in your Huabei. If there is a "Personal Credit Information Inquiry Submission Authorization Form" in the user contract, it will be collected at the meeting, otherwise it will not be collected. Therefore, so far, Huabei’s access to the central bank’s credit survey is only for some users, not all users. This is because the original Huabei old users did not have this contract when they applied for use, but this will be added after clicking to upgrade. If you cancel the application again or apply for a new one, there will be a credit report step, which will be fully implemented in the future.

Second, does Huabei’s credit report have any adverse consequences?

1. For many Huabei users who are worried about their excessive Huabei usage records, will the credit investigation affect their credit records? You can rest assured of this. As long as there is no overdue record, the normal use of Huabei is actually no different from the use of a credit card. A good repayment history can also indicate that you are a person with a good credit rating.

2. Now, more and more small loans are related to credit reports. The loan products on platforms such as Alipay, Du Xiaoman Finance, and WeBank that we are familiar with are all based on credit reports. After you borrow money, you must remember to repay it on time and maintain a good credit history.

3. How to close personal credit in Huabei?

1. If there is an authorization letter for personal credit related contracts and personal credit information inquiry and submission on Huabei related contracts and product description pages, they cannot be closed manually. Because this situation means that North China has been connected to the central bank's credit reporting system, individual customers naturally have no right to cancel.

2. Since the credit report is authorized, the relevant consumption and repayment records of the Huabei account will be reported to the central bank’s credit report system in the future, and the relevant information will remain in the personal credit report. Normal consumption and Repayment records cannot be deleted.

3. If Huabei is overdue during the repayment process, it will also leave bad information in the customer's credit report. Bad information can be deleted, but usually after the customer pays off the balance. Typically, it must be retained for at least five years after the balance is paid before it can be deleted from the system. Cannot apply for deletion manually.

4. If there are no personal credit-related contracts and personal credit information inquiry submission authorization letters on the Huabei-related contracts and product description pages, it means that Huabei has not been connected to the credit investigation. However, as Huabei upgrades its services, sooner or later it will authorize credit checks.

Operating environment: Huawei nova7JEF-AN00 Alipay version 10.2.0.9000 What is the Huabei consumer credit credit contract?

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Huabei’s consumer credit credit contract refers to the “Personal Credit Information Inquiry and Submission Authorization Letter”. Because Huabei has fully accessed the central bank’s credit information, it is opening Huabei, or during the use process, the user will be asked to agree to the "Personal Credit Information Inquiry and Submission Authorization Form". After agreeing, the user's application for Huabei and the use of Huabei will be uploaded to the personal credit report.

When applying to open Huabei, or you have already opened Huabei, but suddenly one day a consumer credit credit contract pops up on the page, which makes many people very puzzled and want to know what this consumer credit credit contract is. What's the meaning.

The Huabei consumer credit credit contract refers to the "Authorization Letter for Inquiry and Submission of Personal Credit Information". Because Huabei has fully accessed the central bank's credit reporting, the process of opening Huabei or using it The Central Committee requires users to agree to the "Authorization Form for Inquiry and Submission of Personal Credit Information". After agreeing, the user's application for Huabei and their use of Huabei will be uploaded to the personal credit report.

After signing the Huabei consumer credit credit contract, the personal Huabei will be directly uploaded to the credit report. If the repayment is not made on time, resulting in overdue payment, it will affect the personal credit report, and subsequent loan applications or Credit cards are very difficult to pass. What is the Huabei Consumer Credit Loan Credit Agreement?

Huabei’s consumer credit loan authorization contract is actually the “Personal Credit Information Inquiry and Submission Authorization Letter”. After the user agrees, Huabei will report the personal consumption situation to the credit report. If there is any overdue behavior in the future, then This will also be reflected in your credit report.

There are more and more credit loan products connected to the central bank’s credit reporting system. When using these products, users should pay attention to their possible impacts and remember to repay them on time. Do not overdue your application until it finally affects your personal credit report.