At present, 5 1 loan has been connected to the central bank's credit information system. When users apply for a 5 1 personal loan, they will inquire about the borrower's personal credit record. If the borrower has serious overdue behavior, or the current debt ratio is too high, it is likely that it will not pass the loan review. At the same time, in the process of repayment, if the borrower fails to repay on time, it will also produce bad credit records, which will affect personal credit information.

2. 5 1 credit check credit?

If you need to apply for a personal loan, it is recommended to choose a bank channel.

If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.

3. 5 1 Does the merchant check the credit information?

You don't check the credit report when you apply, because you don't ask for a credit report, so you don't check it. As for how to check, if 5 1 loan is connected to the central bank's credit information system, you can check it directly. If there is no connection, you cannot check.

Fourth, does the 5 1 credit housekeeper get credit information?

5 1 Personal loans of credit card managers are generally not used for credit extension, because you mainly check your personal credit through social big data, and you are allowed to borrow if you meet the conditions. 5 1 Card manager's personal loan is mainly based on the credit data of your social platform to calculate the loan amount, just like the ant flower garden of credit card Alipay. After you fill in the information, you will make a limit, according to your personal credit record. Oh, this amount can be withdrawn.

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5 1 Personal credit will not be checked, but it may be checked if the loan amount is large. 5 1 credit card is mainly engaged in peer-to-peer lending information intermediary service platform, and its user group is mainly transformed from 5 1 credit card housekeeper users. There are many loan products to choose from. The audit criteria are mainly your social data and online consumption credit records, so as to determine your loan amount.