What should I do if I accidentally open an online merchant bank?

The user accidentally opened the online merchant bank, which had no effect. If you need to use the related services of the online merchant bank in the future, you can continue to keep the account of the online merchant bank. Users can directly cancel their accounts in the online merchant bank APP without using the related services of the online merchant bank. After the account is successfully cancelled, they can directly uninstall the APP.

Therefore, when a user opens an online merchant bank, he actually opens a bank account, which will not affect the user's personal credit information.

Extended data:

1. Is there a charge for opening an online merchant bank?

There is no charge for users to open online merchant banks. After the user downloads and installs the online merchant bank APP, he can open an account according to the prompt, and there is no charge after the account is opened successfully. If someone pretends to be an online merchant bank customer service and asks the user to add QQ or WeChat, the user must refuse, because such people are usually criminals.

Not only does the online merchant bank not need to pay fees, but its customer service staff will not add the user's contact information privately. Please remain vigilant.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.2.50

Second, how does the online merchant bank transfer money to other people's bank cards?

1. Online merchant bank, founded by Ant Financial, is one of the first five private banks approved by China Banking Regulatory Commission, which mainly provides financial services for small and micro enterprises and individual entrepreneurs.

2. At present, online merchant banks have successively opened bank cards and Alipay to support transfer to others. If you want to transfer your bank card to others, log in to the online merchant bank APP, enter the transfer page, and click the "Transfer Out" option; Then fill in the collection information on the "Transfer to Bank Card" page and select a good bank card; Then follow the prompts on the page to transfer money.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.2.50

Third, does the online merchant bank borrow money to get a personal credit report?

1. The online merchant bank has been docked with the PBOC credit information system, and all loans applied by the online merchant bank or loans lent by the online merchant bank will be uploaded to the PBOC credit information system.

2. When users apply for loans in online merchant banks, they must pay attention to repayment on time. If the repayment is not made on time, the overdue record will be uploaded to the credit information.

3. When the overdue records are uploaded to the credit information system, the overdue arrears must be paid off and will be automatically deleted by the credit information system after 5 years. During the period of not being deleted, users will no longer be able to apply for loans from online merchant banks.