Recently, many people don't want to use flowers. What's wrong with shutting them down directly?

At the end of September, the official micro-press conference in Bai Hua broke the explosive news o

Recently, many people don't want to use flowers. What's wrong with shutting them down directly?

At the end of September, the official micro-press conference in Bai Hua broke the explosive news of the connection between user data and credit information, because there are still many users in Bai Hua, each with his own worries and anxieties, but these worries are unnecessary for those who repay the loan on time and use it reasonably. Those who are often overdue should be most worried. Of course, the knowledge of credit information access is aimed at the accessed data, which means that the overdue records before access will not be reported. But this will not become a breakthrough for individuals not to repay. Because even if there is no docking credit before the flower garden, it is also sesame credit and comprehensive credit at the meeting, so many people take the initiative to close the flower garden, which is afraid of forgetting to be credited. So, don't take chances. Don't always think that you can overdue or not pay back when you don't have credit. You know, flowers no longer have specific consequences. 1. 3-7 days overdue. Some users said that three days overdue will not affect credit, and there will be no telephone collection, which is a grace period. Therefore, everyone must repay within 3 days as much as possible, otherwise there will be a series of SMS phone reminders. At this stage, the customer service attitude is mild, mainly to inform you that it is overdue and settle the arrears as soon as possible. Second, the overdue 15 days or so, the customer service will often call you for collection, such as setting a repayment date and contacting the family in the address book. Some of them may have bad attitudes. In short, this time will have a certain impact on the reputation. Pay it back quickly, it's not too late. 3. The flower buds are overdue for 30 days, 1, and will be settled by installments. If the flower buds are currently in the stage, and the overdue time exceeds 30 days, they will be released from the stage and required to be paid off in one lump sum. 2. close. The flower bud quota will be frozen and can no longer be used, so it can only be returned. As for whether it will be closed permanently after repayment, it depends on how the system evaluates it. 3. Prosecution and on-site service. According to users' feedback, at this stage, the collection will send a text message threatening to sue at home, but at present this situation is rare unless the amount is huge. 4. Affect sesame. If the flowers are overdue, it will affect the authority of a series of products such as borrowing flowers, online business loans, and reserve funds, and the subsequent use will be more troublesome. If you can, you can solve the overdue problem as soon as possible. If you don't have the ability, you can confess to your family as soon as possible and find a reasonable way to deal with overdue problems. Alipay Huayuan upgraded its service and began to fully access the central bank's credit information.

Will people who care about this topic be like me? What they are most worried about is whether this will affect my credit information for buying a house and a car.

If you look at the personal credit report, you may find that the report reserves the display format of personal water and electricity payment information.

Relax! This is just a reserved format.

However, it also means that information on the payment of water and electricity fees may be collected in the future. After all, for those who have no credit record, it is helpful to help them establish credit records and promote them to obtain credit by collecting the public utility payment information of "consume first and pay later" with their consent.

The relevant person in charge of the central bank's credit information center said that in the future, the credit information center will negotiate with the relevant data source units to obtain the authorization of the information subject from the data source units and ensure the quality and safety of the data. Only in this way will it be collected and displayed.

2. According to the five-year repayment record.

In fact, a generation of personal credit report can also see the five-year repayment records of individuals, but the display methods are different.

The first generation of personal credit report shows: "repayment record in the last 24 months" and "overdue record in the last 5 years";

The second generation personal credit report also shows the contents of "repayment records in the last 24 months" and "overdue records in the last 5 years", but adds "overdue amount in the last 2 years".

This makes the personal repayment situation in the past two years can be displayed, which can reflect the personal credit status more comprehensively and accurately.

3. Display the message "* * * has a loan"

"* * * simultaneous borrowing" refers to a loan in which two or more borrowers are jointly and severally liable for repayment.

However, the "* * * same loan" information will not go online immediately. This information will not be displayed until financial institutions start submitting data in the second generation format.

And the information of "* * * same loan" will be updated in time.

For example:

The relevant person in charge of the Credit Information Center said that in the case of subsequent cancellation of the loan agreement, the data submission mechanism of the second-generation credit information system supports financial institutions to submit information on the cancellation of the loan relationship; After financial institutions submit updated information to the credit information system, borrowers who are no longer responsible for repayment will no longer display loan information in the credit information report.

4. What's new?

Personal information also includes "personal guarantee for the enterprise", "employment status", "nationality" and "contact number".

Information such as personal revolving loan, credit card installment and credit agreement information will also be added, but these items are the same and will not be displayed until financial institutions start submitting data in the second generation format.

Generally speaking, the information displayed in the personal credit report will be more comprehensive and accurate.

At the same time, the security protection capability of the second generation credit information system has also been upgraded, which will further guarantee the security of credit information.

From the above, I can remember that every payment is paid on time. It doesn't matter if I buy a house or a car, but I didn't repay it automatically. I forgot what to do in a month! -

The previous one should not count, but it will count if it is included in the credit report. This industry has finally begun to be formal, and I also remind you that if you don't have the strength to repay, don't spend in advance. It's no joke, it will affect the mortgage. From now on, the cost of Bai Hua's default will be higher and higher.

In the future, this peer-to-peer lending service will be incorporated into the credit information system sooner or later, which will have a positive or negative impact on the approval of mortgage and car loan in the future. Nowadays, with the integration of data, a real credit era is coming!

I want to try to close the garden and finish the discovery that should be returned this month. I still have flowers. Didn't I return it? Strange? Today is 1. I just returned it. It hasn't arrived yet, and it hasn't been returned in September next month. Click to see the details, there are three: 1. Two weeks ago, the arrival of Taobao automatically confirmed the deduction; 2. Are you hungry? Agreement (I completely forgot about the continuous membership of "Are you hungry, my God" opened a year ago. )

I began to question how many default forms of payment for flowers are there, and I can't remember them myself.

Closing method: Alipay APP- My-Bai Hua-My-Other-Close Bai Hua.

The fact after the operation is that it can't be closed, and it can't be closed until it receives a series of orders from Taobao. What is ecology? Ecology means that you don't want to use any of them, and everything else you need is inconvenient to use.

Full access to the central bank's credit information, and continuing to use the flower garden without paying back the money after the deadline will have an impact on personal credit information. Use the flower buds normally and return them in time, as long as there are no violations such as overdue, it will not affect the credit investigation. Flowers are actually more like credit cards. We can use it at any time in the daily consumption process, and it will not affect our credit information. What will happen if the flowers expire? There is a saying in the bank's credit review that it is overdue for three months in a row and six times in two years. This is a serious breach of contract. This will make the bank question your repayment ability, and it will be classified as a problem customer, and the loan will be rejected with a high probability in the future. In a word, it is most important not to be overdue. These products can really help us to consume in advance, but we still do what we can and don't spend beyond our own level! Like the flower garden, JD.COM white strip is a consumer financial product, which is more like a credit card in essence; On the other hand, JD.COM gold bars are micro-loan products, which will be reflected in the credit report as micro-loan records, which have a greater impact than credit cards, and also have a great impact on future applications for mortgage and car loans. Of course, some people were young and ignorant before, and they borrowed loans at an early age and spent a lot of money just to get ahead of consumption. Some have not been paid off yet, and some are overdue after spending in advance, breaking the contract and entering a large number of accounts. All these have led to their poor credit records. However, after I have made small achievements, or after my job is stable, I think I will buy a house and a car in the future. And because of my poor credit record in the past, I have to pay the price for my once frivolous, so what should I do next? 1. Repay the arrears and overdue penalty. Unpaid records will always be there and will continue to stack up. The longer the delay, the less likely the bank will give you a loan. Even if it is paid off, don't borrow money or swipe your credit card for at least half a year. Stop completely unnecessary consumption in advance and learn to control your hands. 2. When applying, provide sufficient asset certificates and income flow certificates to let the bank know your economic level and ability, so that the bank will be more confident when approving. 3. Try not to use microfinance products. The appearance of small loan records in the credit report will greatly affect the bank's confidence in the borrower's credit, and the bank will be very worried about your repayment ability, so it is also a problem to buy a house and a car in the future. Many people don't want to use it because it is spent on credit.