If I have a credit card but it has not been activated, does it count as a white account if I use Huabei and Sesame Points of 720?

Forget it, if you have never used a credit card, there are many credit cards you can apply for, but the initial limit is not very high. Sesame Credit 720 is considered medium to high, and you can do a lot of credit activities. Most people only have 650. . Is it considered a white account if I borrow it once?

Hello, a white household generally refers to a person who does not have any credit information in the central bank's credit reporting system. However, credit reporting white households can be divided into white households and pure white households. The white household here refers to those who have a loan or credit card application record, but have not passed it, and the time is more than half a year; the pure white household refers to those who do not have any loan or credit card application records, so they are not counted as white households after using Borrower once. Is having Huabei a white household?

Users who use Huabei are indeed not considered white households. When users use Huabei or borrow money, they repay on time every period, and the lending institution does not upload it. If the loan is included in the credit report and there are no other records in the user's credit report, the user is still a white account.

First, industry insiders believe that banks and other financial institutions have capital and risk control experience, and Huabei has consumption scenarios and risk control data. Both parties have their own strengths and complement each other. Therefore, cooperation can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, and benefit the development of the industry.

Ant Huabei supports shopping in multiple scenarios. The previous main application scenarios were Taobao and Tmall, and most merchants on Taobao and Tmall can use it for payment.

Second, Ant Huabei has stepped out of the Alibaba e-commerce platform and has integrated into more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon, Suning, etc.; local life services Websites, such as Koubei, Meituan, Dianping, etc.; mainstream 3C official malls, such as LeTV, Haier, Xiaomi, OPPO and other official malls; and some overseas shopping websites.

Third, Ant Huabei grants users consumption quotas ranging from 500 to 50,000 based on comprehensive considerations such as consumers' online shopping conditions, payment habits, and credit risks, through big data calculations, and combined with risk control models.

Fourth, Ant Huabei’s quota is granted based on the user’s accumulated consumption, repayment and other behaviors on the platform. Users’ various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. , when the user behaves well within a period and complies with the quota increase policy, the corresponding quota may be increased. Ant Huabei cannot be opened or raised through others. Please do not trust others and leak personal information.

5. On October 18, 2018, Huabei officially launched the "Quota Management" function. Users can independently adjust their Huabei quota according to their actual needs. Users can advance Ant when consuming. The Huabei credit will be repaid on the 9th of the next month after receipt of the goods is confirmed, and the interest-free period can be up to 41 days. In addition to the consumer experience of "buy this month, repay next month, super long-term interest-free", Ant Huabei also launched the Huabei installment function, where consumers can repay in 3, 6, 9, or 12 months

6. The 9th of every month is the repayment date for Huabei. Users need to pay off the Huabei bills that have been generated on the repayment date. On the due date of repayment, the system will automatically deduct the balance of Alipay account, Yu'E Bao (requires Yu'E Bao deduction function), and debit card quick payment (including card) to repay the unpaid portion of the bill. You can also take the initiative to make repayments. To avoid overdue payments, please ensure that your Alipay account has sufficient funds. If the payment is overdue, a late fee of 0.05% will be charged per day. If I use Borrower, does that mean my account is no longer a white account? You need to know these things

Everyone should be familiar with Alipay Borrower. It is a consumer credit product that can provide users with capital turnover services. Many people have never taken out any loans before, but just borrowed money from Jiebei. They will ask this question: "Does it mean that if I use Jiebei, my account will no longer be white?" Let's take a look today.

If you use Jianbei, does that mean you are no longer a white household? It can be said that if you use borrowing, it will no longer be a white account. Because a white household refers to a person who has never done any credit business and has no credit record in the credit report, the column of the loan record on their credit report is blank. Borrowing is subject to credit reporting. After borrowing, it will be reported to the central bank's credit reporting, and the loan status of the borrowing will be added to the credit record, so the borrower will change from a blank account to a person with a credit record.

Moreover, the repayment status of borrowed money will also be reported, which requires everyone to pay attention to repaying on time. After all, once the overdue borrowed money is reported to the credit reporting system, a bad credit record will be left on the credit report. At that time, the borrower will Damaged credit is not conducive to subsequent credit card applications. On the one hand, it means that the borrower is not trustworthy, and on the other hand, the repayment ability will be questioned. Many people may say that if you borrow the money and repay it on time without overdue payment, then there will be no impact. This is not necessarily true. Although you can establish a good credit record through the use and repayment of Jiebei, for some banks with strict risk control, loans with Jiebei records may not be approved. For example, if a borrower applies for a housing loan in Hangzhou and has used online loans such as Borrowing twice in the past six months, the loan will not be allowed. The above is the relevant introduction of "if you use Jiebai, will your household become a white household?" I hope it will be helpful to everyone. In short, if you use Jiebei, you will not be considered a white account, because Jiebei records may affect the loan process, so you should use it with caution and remember to repay on time after borrowing.