Loan approval: loan approval is to apply for a loan from a bank. For example, when applying for a housing loan, the bank will check the lender's credit report first, so that the loan approval will be displayed on it. There will also be other words such as applying for credit loans and mortgage loans.

Credit card approval: as the name implies, it is to apply for a credit card from a bank, and the bank inquires about the applicant's credit information in the name of applying for a credit card.

Post-loan management: Post-loan management refers to that banks will check the information filled in the credit card when lending money to borrowers or issuing credit cards to cardholders for later maintenance. For example, in loans overdue, the bank will check the lender's credit card to see if it needs to be collected after it is overdue, or if the credit card needs to be upgraded or has not been repaid, and the bank will check the borrower's or cardholder's credit card.

Second, why does my loan application fail and it still shows that it has been used?

That's because the application is also recorded in the system. Reasons for the failure of ant borrowing application:

1, real-name authentication, it is best to submit personal ID card pictures, portrait photos, perfect identity information, identity verification, etc. In AliPay;

2. The comprehensive score of Alipay is too low, the frequency of using Alipay is too low, or the activity in other aspects is not enough;

3. Personal bad credit, including credit card, loans overdue or other bad credit behaviors. In the end, whether the application of ant borrowing can be passed depends on the comprehensive score of the system. Active users with good credit conditions can generally get the amount of ant borrowing, and the amount of the amount must be determined by the system.

Third, apply for opening ant borrowing. Why is the loan approval displayed in the credit report?

The key depends on whether you borrow from the seller or the buyer. Buyers will not enter the personal credit information system because of borrowing money, but once it is overdue, it will still affect the handling of loan business and credit card business in the future. After all, Sesame Credit has been connected to the credit information system of most banks.

If the buyer's loans overdue is serious for more than three months, or exceeds a certain amount, the overdue record will also be entered into the central bank's credit information system.

The seller will definitely enter the PBOC credit information system, because the seller's loan is a commercial loan. Of course, in order to make up for the lack of credit information, sellers will give users a very high quota and a very low interest rate. Those online who have a quota of 300,000 yuan and a daily interest rate of 1.5% (the comprehensive annual interest rate is less than 6%) are generally sellers.

So how do we confirm whether our loan is a seller or a buyer? In addition to looking at the loan amount and interest rate, there is a very simple way to see if your account has registered Taobao shop.

Click "Borrow", click "Borrow", randomly enter an amount in "How much to borrow", and a loan agreement will appear at the bottom of the screen. If it is a "personal consumption loan contract", it will generally not go to the credit information system of the People's Bank of China. If it is a "commercial loan contract", it will definitely go to the People's Bank for credit information. Entering the contract page, personal loans are also "consumer trust loans" and commercial loans are "commercial trust loans".

Fourth, apply for opening ant borrowing. Why is the loan approval displayed in the credit report?

Loan approval is to apply for a loan from a bank. For example, when applying for a housing loan, the bank will first check the lender's credit report, which will show the loan approval. Others, such as applying for credit loans and mortgage loans, will also show the words loan approval.

Lending is a service launched by Ant Financial. The sources of loan funds are companies and cooperative banks. Opening a loan may require reporting to the central bank for credit information. Therefore, if the money borrowed by users comes from banks, users may declare credit to the central bank.

The rest, like Jin Zan of Alipay Life, also need to go to the credit bureau. If the buyer's loans overdue is serious for more than three months, or exceeds a certain amount, the overdue record will also be entered into the central bank's credit information system.

The seller will definitely enter the PBOC credit information system, because the seller's loan is a commercial loan. Of course, in order to make up for the lack of credit information, sellers will give users a very high quota and a very low interest rate. Those online who have a quota of 300,000 yuan and a daily interest rate of 1.5% (the comprehensive annual interest rate is less than 6%) are generally sellers.

Subtitle: No credit will be granted for term loans that are not overdue.

The personal credit information of people in extended data countries can be inquired through two channels:

1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;

2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, and enter the inquiry code of SMS in the personal inquiry column to access personal credit information.