The orange installment will affect the credit report:

Telecom Orange Staging is a staged consumption mode jointly launched by smart credit service providers and China Telecom Wing Payment Company. The application for orange installment is based on credit information, and the loan record will be displayed on the personal credit information report;

However, if you don't often apply for orange staging and the use is not overdue, the impact is still very small. If it is overdue, it will cause a bad credit record, which is not conducive to the subsequent application for credit cards, loans and other businesses in the bank.

There are generally two ways to check the credit report now:

First, offline inquiry, you can bring your ID card to the local China People's Bank outlets or other bank outlets that provide credit inquiry services, and inquire at the bank counters or self-service machines, so that the results will be quick and the credit report will be printed on the spot.

Second, online inquiry. You can click "China People's Credit Information Center" to enter the "Internet Personal Credit Information Service Platform" and follow the page prompts to inquire about personal credit information reports, but the results will not come out until the next day.

After receiving the credit report, we can see that the above information is divided into five categories, namely basic information, credit information, non-financial liability information, public information and inquiry information.

The development of China's credit information industry has a history of more than 80 years since 1932, when the first credit information agency, China Credit Information Office, was born. But its real development began with reform and opening up. Since the reform and opening up, with the development and expansion of domestic credit transactions, the deepening of financial system reform, the increase of foreign economic exchanges and the deepening of social credit system construction, China's credit information industry has developed rapidly.

In order to let everyone "understand" the personal credit report, experts from Chengdu Branch of the People's Bank of China stressed that the key is to understand several symbols. To this end, we take this part of the housing mortgage loan information in Zhang's personal credit report as an example to make an interpretation for readers.

In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.

How long is the latest repayment of telecom orange installment? There will be no overdue records.

There is no grace period for telecom orange installment, so the credit will be reported one day after the deadline. If the loan application is successful, the loan record will be uploaded to the credit information. If it is overdue, the overdue information will be uploaded to the credit information in real time. In order to reduce the impact of overdue records, users must repay as soon as possible after overdue, and then contact Orange to issue a non-malicious overdue certificate in installments.

What is telecom orange staging?

"Telecom orange installment" is actually financial services such as personal credit payment and commodity installment consumption provided by Wing Payment to consumers. With personal credit, customers can enjoy credit installment, credit consumption, credit cash withdrawal and other services. For example, customers can purchase in installments through orange or apply for a broadband package. If it is overdue, it will affect personal credit information.

Does telecom orange staging have an impact on credit reporting?

Orange staging will affect credit reporting: 1. Telecom Orange Staging is a phased consumption mode jointly launched by smart credit service provider Countdown and Wing Payment Company of China Telecom. The application for orange installment is for credit investigation, and the loan record will be displayed on the personal credit investigation report; 2. However, it doesn't matter if you don't apply for orange staging frequently. Anhui Telecom WeChat official account is at your service.