Credit can be used for credit investigation. According to relevant information, as long as you are overdue for 3 months, you will generally be credited.

What are the most credible lending platforms?

Reliable lending platforms include Ant Lending, JD.COM Gold Bar and Du Man Finance.

1, ants borrow it:

Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Promotion Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.

"Borrowing" is a loan service launched by Alipay. At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for ranges from 1 0,000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, consumer loans issued by e-commerce giants are mainly aimed at the staging of consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.

2.JD.COM gold bars:

As a sub-brand of JD.COM Digital Technology, JD Finance includes personal finance, corporate finance and financial technology. , and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs, increase income, and work with financial institutions to better serve individuals and corporate users.

JD.COM Gold and Silver is a credit loan product. If you can't get a gold bar loan in JD.COM or you don't have a gold bar entrance in JD.COM, it means that your information has not passed the system evaluation for the time being, and you can't provide gold bar loan service at present.

JD.COM gold bar is a credit loan product. According to the comprehensive evaluation of the system, opening the application is not supported at present. Click on the entrance of the gold bar and then click "I can't serve you", so you can't open the gold bar temporarily. You can find gold bars in two places:

(1) jingdong financial APP:

[home]-[borrowing money]-[gold bars] or [me]-[my gold bars]

(2)JD。 COM mall application:

[My]-[My wallet]-[Gold bars]

3. The degree of small full financial:

Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand "Du Xiaoman Finance" to achieve independent operation.

Baidu's internet finance business began on 20 13. 20 15, the existing financial business was integrated into a financial business group, and the financial business was upgraded to Baidu's strategic position. Mr. Zhu Guang, Senior Vice President of Baidu, is fully responsible for this.

Is the online credit loan credible?

It is very safe to borrow money on the regular online lending platform, and the operation is relatively simple, but you must remember to repay it on time so as not to affect your credit. Now that the data is interoperable, problems with online loan credit information will also be recorded in personal credit information.

If it is an online loan, you can also borrow from the bank, provided that the customer's personal credit information is good and there is no overdue record, otherwise it will also affect the approval of bank loans and the bank will not lend. Whether to use online loan products has nothing to do with whether to obtain bank loans, but the loans overdue record in personal credit report is the main reason that affects the approval of bank loans. Relevant surveys show that whether banks lend has nothing to do with whether they use online loan products. Unless there is something wrong with the customer's personal credit report, the customer fails to repay the loan on time and has an overdue record. At present, in the customer's personal credit information, online loans have been included in the scope of loan approval, and will be comprehensively considered with the liabilities of other assets to judge whether to lend. For example, if a customer fails to repay the loan in time by using JD.COM IOUs, he will report the details of the customer's use of JD.COM IOUs to the central bank's credit information system after notifying the customer himself. In addition, if there are multiple loans in multiple institutions at the same time in the short term, the approval of bank loans will be more cautious.

Specific loan process: 1. Apply for a loan. Customers can learn about the bank's credit products in advance to see if they are suitable for them. After understanding clearly, they can call the customer service of the bank or consult on the spot. Go to the bank to fill out the loan application form, and bring your ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents. 2. Pre-lending investigation. Banks are qualified to conduct a preliminary examination of the personal data of loan applicants. If it meets the requirements, it will enter the next loan link. 3. Loan approval. The approver decides whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant. 4. Mortgage registration. If a loan applicant chooses a mortgage loan, he shall go through the relevant registration formalities after approval. 5. issue loans. Those who meet the conditions of bank loans and go through the formalities according to law can issue loans.

Is credit loan reliable?

Credit loans are credible, and credit loans on formal loan platforms are very safe. Formal credit loans are based on the lender's credit information. If there is a problem with the lender's credit information, it will affect the loan approval, and the lending institution may not lend. The main reason that affects the approval of credit loans is the overdue records in personal credit report.

Many domestic banks have credit loans, such as China Bank and China Construction Bank, which can be handled according to their own needs.