After sesame credit is closed, all previous data will be deleted, and it cannot be recovered or reopened.
and if some merchants need to open sesame credit to use their services, the application will fail after sesame credit is closed.
In other words, users will not be able to use related services provided by Sesame Credit in the future. Consequences of sesame credit becoming zero
First, sesame credit becoming zero will lead to a small amount of flower buds, and if it is serious, flower buds cannot be used. If personal credit declines in an all-round way, bank loans will not be good in the future.
Second, Alipay Sesame Letter declined
1. The bound mobile phone number was frequently changed. If a person's mobile phone number has not changed for 1 years, he can borrow money with confidence. As far as the whole population is concerned, the longer the mobile phone number is used, the lower the default rate is, only 5% or even 1%;
2. I don't have a credit card, or I can't repay on time. If you don't have a credit card, or if you have a credit card but don't spend it online often, and don't repay it on time, your credit score will be reduced;
3. The receiving address is unstable. If the delivery address changes frequently, Alipay will think that his credit is not as good as those users with long-term stable delivery addresses;
4. Online shopping never takes the initiative to receive goods and pay. It is not a good credit habit to always wait for the default payment when buying things online. So remember to take the initiative to pay as soon as possible after receiving the goods and give the buyer an evaluation in time;
5. You stood the driver up when you took a taxi. Nowadays, there are fast taxi and CAR Inc. applications on Alipay. If a taxi reservation is made but the driver is finally "pigeon" or the rental car is not returned in time, this kind of behavior may be considered as a sign of poor performance and will be included in the database.
At the same time, Sesame Credit has also carried out an update on its products: increasing the display of negative records. Simply put, the user's breach of contract will be recorded, which will seriously affect the sesame score. This means that dishonest behavior will be restrained.
Third, improve sesame credit score
(1) Keep personal information stable and don't easily change company, mobile phone number and residence. The stability of this information represents that personal life is stable rather than turbulent.
(2) The core of keeping a good personal credit score is personal credit. If you don't say it's good, at least you should keep it clean. If the overdue situation is detected by Alipay, the sesame score will definitely be low.
(3) Spend more with Alipay. Usually, we spend more with Alipay, paying for living, shopping, taking out food, borrowing things, etc.
(4) regularly clean up friends who have not contacted for a long time, friends with low sesame scores, and friends with bad records. What is the impact of overdue sesame credit on personal credit?
The specific impact of overdue sesame credit on personal credit is as follows:
1. It affects your own sesame credit score, and in serious cases, it may also affect the sesame credit scores of friends and relatives.
2. You need to pay penalty interest after the overdue sesame credit. If you want to restore the overdue sesame credit, you need to pay the principal and handling fee together.
3. It will affect personal credit records and cause inconvenience to future life.
4. The system will automatically deduct money and collect it, which will also affect the subsequent use of sesame credit.
Personal credit report is your "credit file", which comprehensively and objectively records your credit activities, such as repayment of loan principal and interest, credit card overdraft, etc. It mainly includes the following information: your basic information: including your name, ID number, home address, work unit, etc. This information tells commercial banks "who are you". Friendly reminder: In order to avoid unnecessary troubles, please don't lend your ID card at will, because the ID number is an important identification information of the credit report.
at the same time, please fill in your personal basic information accurately and truthfully when handling banking business, and contact the bank to update your information in time if there is any change, which will not only help you prevent identity fraud and fraudulent use, but also help commercial banks to accurately verify your identity. Your loan information in the bank: when and where did you borrow how much money, how much money you paid back, how much money you still have not paid back, and the monthly repayment situation. Your credit card information: which banks have applied for credit cards, the overdraft limit of credit cards and your repayment records, etc.
information about your bank settlement account: your name, ID number, bank code, account opening date, etc., excluding deposit and withdrawal, transfer payment and balance information of your settlement account. Records of your credit report being inquired: The computer will automatically record "when, who and why" to check your credit report. With the gradual progress of database construction, in addition to the above information, your personal credit report will also record your personal housing provident fund deposit information, social security information, whether to pay the telephone, water, electricity, gas and other public utilities fees on time, as well as court civil judgments, tax arrears and other public information.
compared with the old version, the new version of the personal credit report of the central bank has made great progress in the infrastructure construction of the national information system in the past few years, and has achieved nationwide networking and interconnection in many aspects, making it possible to collect important personal information; On the other hand, the development of internet finance and financial technology has made personal information more perfect, and the credit dimension has a diversified foundation. At the same time, the economic development in the new era puts forward new requirements for personal credit reporting. How to reflect the personal credit situation more effectively, comprehensively and accurately, and how to build a perfect and efficient credit society quickly have become the current important tasks of the credit information industry.
the biggest difference between the new personal credit report and the old one can be summarized as three major changes, namely, more detailed, more comprehensive and more accurate.
first of all, it is more detailed. The new personal credit report will make personal information more detailed. In addition to the old version of personal basic information, the new version of personal information will be more complete, and you can also view spouse information. At the same time, the professional information is more complete, and the amount of information is equivalent to that of personal resume. More detailed information will make personal credit situation more clear at a glance.
the second is more comprehensive. The new personal credit report is richer and more comprehensive. For example, if the repayment record is extended to 5 years, detailed repayment information and overdue information will be recorded; The new repayment amount, overdue or overdraft amount will also be marked. In addition to financial information such as loans, the new version of credit information will include a wider range of information, such as telecommunications business, water business payment, tax arrears, civil rulings, enforcement, administrative penalties, subsistence allowances, professional qualifications and administrative incentives.
in this way, the personal credit report can better reflect the personal credit situation, and enhance the credibility and practical application of the personal credit report, which is the biggest difference between the new personal credit report and the old one.
finally, it is more accurate. The new version of personal information is more detailed and comprehensive, so that personal credit status can be more truly reflected, and the credit management of financial institutions will become more targeted and risk management more accurate, which can effectively reduce credit risk.