1. Is there any credit in the credit wallet?
If there is no credit wallet, even if the repayment reaches a certain level, it will not be on the credit record, let alone on the credit record. Credit information usually refers to the central bank's credit information center. At present, credit card default and loans overdue are the main blacklists. After the deadline, bad records will be recorded in the company's credit information system. Long-term overdue or malicious non-repayment will be recorded in China People's Bank's personal credit information system-Shanghai Credit Information. In severe cases, they will be unable to handle all kinds of financial business and bear corresponding legal responsibilities. Credit is wealth, please cherish your credit.
Second, is the credit wallet formal?
Credit wallet is an application software that helps individuals and small and micro enterprises get loans quickly and at low cost. Relying on the international leading big data technology, the credit wallet explores 360 degrees of credit and comprehensively improves the approval rate. Through the credit wallet, users can enjoy the fastest lending speed in the country, the lowest expected annualized interest rate of loans in the country, and the loan services provided by many high-quality financial institutions, so that loans are no longer difficult.
Third, how to check whether the credit information is good?
The query method is as follows:
1. Go to the home page and click on the Internet personal credit service platform.
2. Click Login after entering, fill in the login name and password, and click Login.
3. carry out certification. Users can obtain verification results in real time by selecting bank card, digital certificate or mobile financial IC card verification method; Select the question verification method. 24 hours after the application is submitted, the review result will be received by SMS. If the identity authentication fails for many times, you can use other authentication methods or check the credit report at the local people's bank branch.
4. Submit the inquiry application. The platform provides three products and services: personal credit information prompt, personal credit information summary and personal credit report. Personal credit information prompt prompts registered users whether they have overdue records in the last five years in the personal credit information system; Personal credit information summary shows the personal credit status summary of registered users, including the summary information of credit records, public records and inquiry records; Personal credit report shows the basic situation of personal credit information for registered users, including the detailed information of credit records, some public records and inquiry records.
5. Get the query results. After the credit product is processed (usually the day after the inquiry application is successfully submitted), the platform will send a short message containing the identity verification code to the user. Users can log in to the platform to query the results with the ID verification code within 7 days after receiving the ID verification code.