Recently, Didi quietly launched a function called "credit payment" on the client. It is reported that Didi Credit Payment is a "taxi first, then payment" consumer credit product launched by Didi United Financial Institutions. Through certification, you can get the corresponding taxi quota and exclusive discount. At present, it is only open to some users.

Some netizens reported that when he settled the taxi fare, a strange page popped up with his name and ID card information, and he asked for bank card information. He filled in the bank card information as required and settled the fare with Alipay. Only then did he find that Didi Display added a new function-Didi Credit Payment.

So can I close it after opening Didi Credit Payment? Will it affect personal credit information?

1, Overview of Didi Credit Payment

Didi Taxi has launched a "credit payment" function, and new users can enjoy the 500 yuan quota. At present, this function is only enabled for some users, and it is not supported for users to actively enable it. Users who use Didi Credit Payment can choose to prepay the fare from the line with 500 yuan at the time of settlement, and repay it before maturity, which is similar to the use principle of credit cards.

2. Is it a credit report?

Didi taxi said in the agreement that after the credit payment is overdue for three days, the overdue information will be uploaded to the central bank's credit information system. In other words, users will not receive credit information until their credit payment is overdue. Before this, will credit be collected at the meeting after credit payment is opened?

It is understood that the borrower of Didi Credit Payment is shenzhen huaqiang Microfinance Company. It is mentioned in the Power of Attorney for Inquiring and Using Personal Credit Information that (the user) himself (ID number) has made the following irrevocable authorization to your company: authorize our company to inquire about the basic database of financial credit information of the People's Bank of China during the application stage of personal credit business and the duration of business.

The user opens the credit payment function of Didi, which actually establishes a credit business with the microfinance company that lends money. As for whether the data generated in Didi credit payment is uploaded to the central bank for credit investigation, it depends on whether the microfinance company is connected to the central bank for credit investigation.

It is understood that few microfinance companies in China have access to the credit information system, but all microfinance companies can report credit information. Didi only mentioned in the FAQ that it will report credit information after the deadline.

To sum up, as long as it is not overdue, it will not affect your central bank's credit investigation.