Because consumer credit service providers have changed, Ant Financial will continue to provide credit services to users. After the change of service organization, the original service experience of borrowing, auditing and repayment will not be affected. It doesn't matter if the loan becomes a credit loan user. As long as the loan is repaid on time, the loan can be recycled in the loan.

1, Hua Bai, you need to go to the credit bureau to borrow it. This is a loan, which is a fact. In the eyes of banks, it is people who have no money who will use online small loans. Stop it. After everyone uses the flowers, the bank will recognize them.

Even so, why did you take the risk?

2. The total credit line is occupied by flower beds, loan altar, etc.

This is also a fact. Due to the strict implementation of the rigid deduction policy, the total personal credit is an invisible threshold. Many high-end card players are optimizing their card configuration, reducing some useless cards or canceling them.

3. Flower beds, bed borrowing and other benefits, activities and rights are not as good as credit cards.

The interest-free period of credit cards is also longer than that of flowers; Credit cards still have so many benefits. Will the amount and interest rate change after "borrowing" becomes "credit loan"? The customer service said that the quota interest rate will not be adjusted because of this update, but the service organization will evaluate the quota and interest rate from time to time according to the user's behavior information.

Modern Express reporter learned from the relevant person in charge of Ant Group that Lending Bao is gradually promoting brand isolation, and a number of licensed financial institutions, including Ant Consumer Finance Company, will jointly provide users with more convenient and high-quality micro-consumer credit services. Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by banks and other financial institutions will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.

Lending Bao said that all credit services displayed on the "Credit Loan" page are independently operated by other financial institutions, and the credit line and interest rate are dynamically approved and decided by service providers according to user information, which is not affected by brand isolation. Subsequent changes in users' credit records and qualification information may lead to changes in the evaluation results.