2065438+March 2008, JD.COM Baitiao got the news and was ready to access the credit information system. Users who wrote IOUs before March 2065438+2008 will not apply for credit reporting for normal consumption repayment. 20 18 Users who write IOUs on or after March may report their normal consumption repayment to the Credit Bureau in the form of monthly ticket. From your opening time, you can judge whether it is connected with credit information. After the service upgrade, Bai Hua has been connected to a new financial institution. When upgrading, users need to agree to the authorization letter for personal credit information inquiry and submission. In fact, users need to agree that Bai Hua will upload loan records and other information to the credit information system of the People's Bank of China. If the service in Bai Hua is not upgraded, the credit information will be temporarily unavailable.
In fact, when the app pushes notifications, we often don't read them in detail, so what should we do if we want to know whether to apply for credit information? This can be found in Bai Hua's "Related Contracts and Product Description". If there is a "personal consumption credit line contract", then it is to seek credit, if not, it is not to seek credit. However, credit reporting does not mean that credit reporting records are affected, and the absence of records does not affect credit reporting through the website of the credit reporting center. So as long as we return it on time, it won't matter if it's not overdue. If there is a certain impact, if there are many such small loans when applying for a mortgage, the bank may think that your income is unstable or you are unable to repay large loans due to lack of money, which will affect the success rate of loan application.
If you are still worried, you can check your credit report and see if there are any relevant loan records. It is also very simple to check the credit report now. You can check it through the People's Bank of China official website, the Bank APP or the bank offline. What does Alipay's personal credit-related contract mean?