At present, 5 1 personal loan has been connected to the central bank's credit information system. When users apply for a 5 1 personal loan, they will query the borrower's personal credit information records. 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, thus affecting personal credit information.
Second, 5 1 credit check?
If you need to apply for a personal loan, I suggest you choose the bank channel.
If you have a smart card of China Merchants Bank, you can log in to mobile banking, click My-All-Loan-I want to borrow money, and try to check whether you are eligible to apply for a "lightning loan" through this interface. If so, you can try to apply.
Third, 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 loan of credit card manager is generally not used for credit, because it mainly checks your personal credit through social big data, and if you meet the requirements, you will be allowed to borrow. 5 1 The personal loan of the card manager is mainly based on the credit data of your social platform to calculate the loan amount, just like the ant flower garden of the credit card Alipay. After filling in the information, you will set a quota 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 Oh, this amount can be withdrawn.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 the users of 5 1 credit card manager. 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.