2. If the user's flower bud has a power of attorney for personal user information inquiry and submission, it means that the user is one of some users accessing the central bank's credit information, then the relevant consumption and repayment records of the flower bud will be reported to the central bank's credit information system and recorded in the personal credit information report. If the user's flower buds only have flower bud service agreement, sesame service agreement and product description, it means that the user's flower buds are not connected to the central bank's credit information. However, we also need to pay attention to the fact that there may be more users accessing credit information after the flower garden.
3. Of course, regardless of whether the user's flower buds are linked to credit information, customers should pay attention to avoid bad behavior when using them, especially remember to repay on time. Otherwise, once overdue, those who have access to the central bank's credit information will be reported for credit information, leaving a bad record in the personal credit information report; Those who have not been connected to the central bank's credit report will also be submitted to Sesame Credit, and personal credit will be affected, and the sesame score may also be reduced.
Here are several ways to check whether Bai Hua is in the credit investigation:
1) Call Ant Customer Service for consultation. If the customer service says you are authorized, it is a credit report, and if you are not authorized, it is not a credit report.
2) Check from Bai Hua's "Related Contracts and Product Description". See Bai Hua-My related contracts and product descriptions. If your product agreement contains authorization to inquire and submit personal user information, then your information has been associated with credit investigation. If there are only flower bud service agreement, sesame service agreement and product description, your relevant information is not connected to the credit information.
2. The influence of personal credit:
1) China raises the loan interest rate and property insurance rate for serious untrustworthy subjects, or restricts the provision of loans, sponsorship, underwriting, insurance and other services. This is mainly reflected in the strict examination and approval of licensed projects, strict control of the issuance of production licenses, and restrictions on the examination and approval of new projects.
2) China has implemented measures to prohibit enterprises with serious dishonesty and their legal representatives, principal responsible persons and registered practitioners who are directly responsible for dishonesty from entering the market and industry. For serious untrustworthy subjects who have the ability to perform but refuse to perform, measures such as restricting leaving the country and buying real estate, flying, taking high-level trains and seats, traveling and vacationing, staying in hotels with stars or above are implemented. This will seriously affect daily life.
3) The person in charge of the untrustworthy unit should bear the main responsibility, so the person in charge of the unit must pay attention to the credit situation of his own unit.