Did AliPay buy credit information? Judging from the feedback from the users of the first upgrade, the experience of "credit purchase" and "flower shop" in interest-free period, audit and repayment has hardly changed. Credit purchase is an independent payment channel with Bai Hua, and Alipay credit purchase is used for credit investigation.

Is the credit information of Alipay credit purchase 1

Alipay is no stranger to everyone, and the functions of borrowing and spending are convenient ways to spend first and then pay. The loan is based on the different sesame credit scores of each user, and the amount that each user can enjoy is also different. You can cash the money directly and withdraw it in the bank card or Alipay. Repay according to the selected number of installments. It is more convenient to spend flowers. When paying, you can pay directly with flowers and enjoy spending first and then paying.

According to the latest news, Bai Hua announced that Bai Hua has started brand isolation. The loan has been rectified into "credit purchase". "Credit purchase" service is a kind of consumer credit service that is fully funded by banks and other financial institutions and independently approves credit granting. In order to ensure the use and experience of users, the core services such as audit and repayment after rectification will not change.

After this rectification, the form of loans is more clear, the rights and interests of consumers are more fully protected, and users can clearly understand the information of credit service providers. Prior to this, Huayuan has gradually entered the credit information, and now it is clearer. As long as it is used well, it will not have a negative impact on the credit record if it is not overdue.

Personal credit report is regarded as "economic identity card", and now it plays an increasingly important role in life. If there is a credit problem, it will be very difficult to handle credit business in the future, which will have an impact on bank loans, car purchases and even things in life. Therefore, here are some precautions. First of all, we must choose the loan amount according to the demand and our own affordability. After the loan is approved, you must repay it on time. If it is overdue, there will not only be liquidated damages, but also credit information, which will have a negative impact on credit information. Don't check the credit information casually, don't check it too many times, don't guarantee others at will, and keep your identity documents and personal information properly.

Credit is an intangible wealth and a passport to life now. Maintaining good credit is to accumulate credit wealth for individuals.

Alipay credit purchase credit II

How to use "credit purchase"?

From the feedback of users who upgraded in the first time, the experience of interest-free period, review and repayment of "credit purchase" and "flower garden" has not changed much.

From the point of view of quota, some users reported that the quota of Huayuan itself has decreased after the upgrade, but with the "credit purchase" quota, the total quota of the two is basically the same as the original quota of Huayuan. You can see the total amount on the homepage of Huabai | Credit Purchase, and you can also view the amount of Huabai and Credit Purchase separately.

When paying, credit purchase is an independent payment channel with Bai Hua, and you can choose freely. However, because the type of "credit purchase" is more sufficient, it will be recommended to use "credit purchase" when paying. However, this payment order can also be adjusted.

When repaying, you can directly summarize the total bill on the home page of Bai Hua | Credit Purchase, or you can repay separately in Bai Hua or Credit Purchase.

In addition, the notice of Huayuan clearly stated that the interest-free period of credit purchase and Huayuan is the same. If you use it that month and return it next month, you can continue to collect wool, with an interest-free period of 1 month.

Some users also found that the rates of installment payment and installment repayment, credit purchase and flower buds are the same. However, most people should repay on time and have not paid any service fees.

In addition, "credit purchase" provides consumer credit services just like flower buds, so it is also necessary to collect credit. However, as long as we maintain good usage habits and repayment habits, it will not have a negative impact on credit reporting.

Finally, the class representative should also remind everyone! Beware of scammers using this major upgrade to create new scams! Be wary of all so-called "customer service" who call you in the name of "opening credit purchase", "credit purchase affects credit investigation" and "increasing credit purchase quota", not to mention telling them any personal information or even transferring payment. They are probably liars!

Does Alipay Credit Buy Credit Information 3?

165438+1On October 24th, Bai Hua announced that in order to implement the regulatory requirements related to consumer credit and more fully protect consumers' rights and interests, Bai Hua recently launched brand isolation. Next, after brand isolation, Bai Hua will become the exclusive consumer credit brand of Chongqing Ant Consumer Finance Co., Ltd. (hereinafter referred to as "Ant Financial Service").

Consumer credit fully funded by banks and other financial institutions will be updated to "credit purchase" service. The "credit purchase" service is a kind of consumer credit service which is fully funded by banks and other financial institutions and provided independently for consumption. At present, users have updated the flower buds to "flower buds" and "credit purchase". Next, brand isolation will gradually cover more users.

Bai Hua mentioned in the announcement that next, Bai Hua will become the exclusive brand of consumer credit services provided by Ant Financial. Consumer credit services provided by other financial institutions will no longer be labeled as "flowers", but will directly and independently provide "credit purchase" services for financial institutions, with the name of the financial institution clearly marked.

This brand isolation is to implement the regulatory requirements related to consumer credit and more fully protect consumers' rights and interests. When applying for consumer credit, users should fully understand the information of credit service providers to avoid brand confusion.

According to public information, the borrower belongs to Ant Financial, and started brand isolation before165438+10.7, and the credit services independently provided by banks and other financial institutions were updated to the "Credit Loan" page.

The reason why Ant Group recently started the brand isolation work of borrowing flowers can be traced back to 2020.

Ant Group was previously scheduled to be listed simultaneously in Hongkong and science and technology innovation board on October 5th, 2020 165438. However, in 2020165438+1October 3, the listing of Ant Group was urgently stopped by the state. Why was the listing of Ant Group urgently stopped by the state?

Ant Group obtains low-interest loans from banks and then reloans them to consumers. In this process, Ant Group used its own funds of 3.8 billion to leverage the loan scale of 20 18 of 600 billion. Ultra-high leverage operation will produce huge credit risk hidden trouble.

There are huge financial risks in the system, which conflicts with the national macro-policy. Due to the consideration of the national economy, the previous listing of ants was terminated.

According to the rectification plan of Ant Group disclosed by Pan, deputy governor of the People's Bank of China, it is required to disconnect Alipay from other financial products such as "Flower Shop" and "Loan Shop", correct illegal acts such as implanting credit business in payment, and ensure personal and national information security.

After the brand isolation of flower buds is completed, there are three categories of personal credit products on Alipay, namely petty cash and flower buds; Credit purchase and loan; Credit loan.

Among them, "Flower Garden" and "Borrowing Garden" will become the exclusive consumer credit products of Ant Consumer Finance Company, and other financial institutions will no longer hang the names of "Flower Garden" and "Borrowing Garden" with the help of data information provided by Ant Group and consumer credit issued by Alipay platform.