Micro-loans are used to check credit information.
Because micro-loan is a personal consumer credit revolving loan product, as a bank loan, like other commercial banks, it is necessary to check the applicant's PBOC credit report.
After confirming that the applicant meets the regulatory requirements of "the borrower's credit status is good and there is no major bad credit record", the loan can be issued.
At the same time, Weizhong Bank will only initiate an inquiry application for credit report to the Credit Information Center of the People's Bank of China after the user has clearly authorized and passed the identification. If there is no authorization, it will not be queried.
Micro-loans were borrowed three times and credit information was checked several times.
Not long ago, there was a topic about "checking credit" circulating on the Internet. Netizen asked: Is it true that once a micro-loan is ordered for credit information inquiry, they are worried that more credit inquiry will affect future loans, especially when buyers need mortgage loans. If it is rejected, that is the real tragedy!
There are also many people who answer questions, borrowing some ideas to synthesize their own views, which are roughly as follows:
1, don't order micro-loans, check the credit information once.
2. The first time you click on a small loan to get a credit line, it will be checked and displayed on the credit report. But if you just click and don't lend, you won't be checked.
3. Small loans are opened, and the available amount is inquired, but it is reported to the central bank for credit investigation in the name of "loan approval"! But fortunately, it's not what they call "click to query once".
4. Don't apply for loans of several thousand yuan at will, regardless of the amount, check the credit information.
5. Don't apply for a credit card easily. Check the credit information once.
6. Check every loan. Who knows if your reputation has changed during the intermission?
7. Online loans are equivalent to small loans. Too many small loans will affect personal credit information and may even be listed as suspected loan fraud by banks.
8. If you ask too many questions, the bank will think that you are short of money, and then doubt your qualifications, and may refuse the loan, reduce the loan amount and raise the loan interest rate.
9. I have no authorization. How can they check my credit history? I asked the customer service and said they couldn't find it.
……
Are you dizzy?
Which of these nine statements is correct? Or is it universal, not someone's personalized experience?
To understand your feelings, let me first conclude that clause 1 is wrong. Items 3, 4, 5 and 8 are generally correct. Other statements are more personalized.
Why is "generally speaking" correct? Are there any special circumstances? Yes, for example, I just saw an advertisement on the Internet. Pleasant Loan and Xiaoding Finance claim to be "loans don't check credit information", but they dare not draw a conclusion without verification.
I want to borrow something about checking credit information and say:
apply for loan
(including bank loans and online loans, including mortgage loans, car loans and consumer loans, including mortgage loans, credit loans, loan guarantees and credit cards, will be investigated. This is the requirement of the regulatory agency.
(2) These three types of inquiries are frequent, which will give the inquirer a bad impression that "this person borrows money everywhere, and the risk of default is high". May affect future loan or credit card applications, including refusing loans, reducing quotas and raising interest rates.
③ These situations will also be investigated by credit investigation: post-loan management, post-card management, objection inquiry, personal inquiry, and job search before obtaining the offer (HR may check).
Another half-joking and half-serious statement is that before the relationship is determined, the other party and/or TA's parents may ask for your credit information, and those with bad credit will be rejected.
(4) The above inquiry will not affect future loan and credit card applications.
For the statement that "every micro-loan is checked once", Weizhong Bank said:
When a user applies for opening a micro-loan, that is, clicking "View Quota", the page will actively prompt the user to read the credit inquiry authorization and loan-related agreements of China People's Bank and check the authorization;
If the user does not check, a pop-up window will remind the user to read the agreement; In the future, the user needs to verify the password, and Weizhong Bank will check the user's credit record from the central bank and evaluate the loanable amount.
⑤ Only when the micro-loan is opened, that is, when the micro-loan quota is inquired for the first time, Weizhong Bank will inquire about personal credit information after successfully obtaining the electronic authorization of users. Query only once. There is no such thing as clicking check once and using check once.
Please note that the personal credit inquiry of micro-loans is conducted in the name of "loan approval", so if there is no loan demand for the time being, it is recommended not to click.
In fact, the practice of inquiring about personal credit reports (referred to as checking credit information for short) is indeed the requirement of regulatory agencies. Online lending institutions should do this, and so should "regular" bank loans. For example, recently, some banks repeatedly called to suggest loans, asking how many tens of thousands they could borrow and what the interest rate was. The customer service said that they had to check the credit information to answer these two questions.
You might say, I'll go! If you only give me one or two thousand lines after checking the credit information, or the annualized interest rate is as high as 185, I won't do it! What should the bank say? They were asked not to get angry with customers, and they were probably speechless and said, I'll go too! How can I know if I dare to lend you money without checking my credit?
Having said that, do you have any suggestions? Yes
First of all, it is necessary to spend money in a planned way and manage your own cash flow. Whether it is for personal use or enterprise use, capital chain management is a lifelong topic. Loans should be based on one's ability. Credit cards should be used reasonably. Otherwise, the biggest problem is not paying.
Secondly, if you expect to need a loan, you should pay attention to the three inquiry behaviors mentioned in the first article of the second part above, not too much. Specifically, don't concentrate on applying for credit cards, loans and guarantees for others. For example, don't check the credit information more than twice a month.
As for loans, gold bars, small loans, small profits, 360 IOUs, etc. The online loan company has given a quota or applied for a quota, and it will only be opened when it is really needed.
Finally, there are three factors that affect the loan and card processing: credit, assets or income, and liabilities. Can be integrated into one: strong repayment ability, or the possibility of default is small. Therefore, there is no need to be too entangled in the issue of credit reporting, and there is no need to scare yourself with online topics.
Will microfinance credit check affect my personal credit?
; ? Micro-loan is the online micro-loan platform of Tencent Weizhong Bank. For WeChat and QQ users, the user invitation system is adopted, that is, only invited users can use micro-loans. So, do you check the credit of microfinance? Will it affect personal credit? Let's have a look.
First of all, it needs to be clear that when applying for a loan, users can complete the loan online without any collateral by filling in the information according to the corresponding prompts. Users who successfully apply for small loans can borrow up to 40,000 yuan from 500 yuan-300,000 yuan. So, do you check the credit of microfinance? The answer is yes. After all, users can borrow money without any mortgage, so a good credit status is necessary.
Weizhong Bank will query the applicant's credit report when applying for micro-loan. As long as the user clicks to view the credit limit, the credit status inquired by the bank will be displayed. In other words, the user clicks on the "micro-loan" in the WeChat wallet to inquire about the quota, and Weizhong Bank will apply to the People's Bank of China to inquire about the user's credit status.
It should be noted that many loan products have different requirements for the number of personal credit inquiries of applicants. Generally speaking, it is almost impossible for such companies to apply if the number of inquiries exceeds four times in the past year. Because the personal credit report is inquired many times in one year, it will make the bank think that you are short of money, thus increasing the difficulty for users to apply for credit cards or bank loans.
Tips: Now there are more and more online microfinance platforms. Don't rush to the hospital if you have to. Used credit cards and small loans must be repaid on time, and it will be easier to apply for loans in the future.
Will micro-loans be lent out again to check credit information? Not at this time!
; ? Now go to the bank to handle credit business, many people need to check personal credit. If the credit is tainted or the debt is too high, it is easy to be rejected. Many online loans have been involved in the central bank's credit reporting. Too many times of use will lead to "changing flowers" in credit information, so we must be cautious. Micro-loan is a small loan platform under Weizhong Bank, which is used by many people. For the first loan, you will check the credit information. If you borrow again, will you check the credit information?
1. Will micro-loans check credit information?
I will. When I first applied for a small loan, I don't know if you noticed. You need to check the user's electronic authorization before you can check your personal credit, otherwise you can't submit a loan application.
In the credit report, small loans will be displayed in the query column in the name of loan approval. Frequent loan inquiries will indeed have a certain impact on credit reporting, so everyone should control the number of times.
Second, will micro-loan lending check credit information?
It depends on the specific situation:
1. The last payment has been settled for a long time, and it has not been borrowed for a long time, so the previous micro-loan is shown as settled in the credit report. If you borrow again, you need to re-authorize the credit investigation and show it in the credit investigation report.
2. Borrow it again in the short term and will not check the credit information again. Assuming that Xiao Wang's micro-credit line is 50,000 yuan, when he borrows 6,543,800 yuan, the credit report will show that "50,000 yuan has been paid" and "the balance is 6,543,800 yuan". Only after paying off all the loans will the credit report show that he settled before borrowing, and then he will re-check the credit report.
The credit update time is generally about 20 days, so the settlement status will not be displayed immediately after all returns. If you borrow it again immediately, there will be no query record.