This is the micro-loan in WeChat payment. When you click OK, you authorized Shenzhen Qianhai Weizhong Bank to inquire about your credit report in writing and signed a personal credit report authorization inquiry, so it is reasonable and legal for people to inquire about your report. If you have this record in your personal credit report, you have applied for a small loan. As "micro-loan" is a credit revolving loan launched by Weizhong Bank, which belongs to a bank loan product, Weizhong Bank can only initiate an application for credit report inquiry to the Credit Information Center of the People's Bank of China in the name of "loan approval" after you confirm the authorization and pass the identification.

First, the personal credit report can be handled at the local credit center.

Second, you can log in to the national credit information sub-center and contact information of inquiry points to inquire about your local credit information center. Go to the local credit center for handling, which can be divided into individual handling and entrusting others to handle:

(1) I check the credit report.

If an individual inquires about a credit report at the inquiry point, he/she shall provide the original of his/her valid identity document for inspection, fill in the Application Form for Inquiring about Personal Credit Report, and keep a copy of the valid identity document for future reference. Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.

(2) Entrusting others to inquire about the credit report.

Where an agent inquires about a personal credit report at the inquiry point, the agent shall provide the original valid identity documents of the principal and the agent and the notarized power of attorney for inspection, fill in the Application Form for Inquiring about Personal Credit Report, and keep copies of the valid identity documents of the principal and the agent and the notarized power of attorney for future reference. In addition, you can fill in the "Personal Credit Report Inquiry Application Form" by yourself.

Third, the role of personal credit report.

Personal credit report plays an important role in many fields except applying for mortgage and credit card from banks. Credit records involve almost every major economic activity of individuals. Without a good personal credit record, many things may not be done.

1, looking for a job

Some units have changed the political review materials into personal credit reports when recruiting, especially in banking, insurance, securities and other industries. Most of them require personal credit reports when recruiting. Some enterprises also require applicants to provide personal credit reports when recruiting financial personnel. In many places in China, personal credit reports have become an indispensable part of job application materials.

Step 2 open an account

Stock index futures investors also need to provide personal credit reports when applying for opening an account. According to people familiar with the matter, the financial futures exchange has asked futures companies to comprehensively evaluate the appropriateness of natural person investors in stock index futures, making it clear that "investors can provide personal credit reports or other credit documents for nearly two months as proof of credit records". The Credit Information Center of the People's Bank of China provides the social version of personal credit report inquiry for stock index applicants in futures accounts. A person from a futures company in the city said that when applying for a stock index futures account, the applicant will be given a comprehensive score, and if the personal credit report is tainted, 15 will be deducted.