What does Alipay's personal credit-related contract mean?

1. What does Alipay's personal credit contract mean?

Personal credit contract is an agreement you accept when you use Yu 'ebao to raise funds for Bai Hua. It is an exchange of credit information between several companies and has not been uploaded to the personal credit information of the central bank.

The central bank's credit report was uploaded after another agreement was reached, and it will not be uploaded as long as no agreement is reached. So remind me, don't agree so quickly when you see the agreement, you'd better read it clearly first.

If you really don't have a bottom, call 95 188 and transfer to manual customer service, provide the last eight digits of your account number and ID card, and let the ant customer service check it for you.

Alipay (China) Network Technology Co., Ltd., established in 2004, is a domestic third-party payment platform, and is committed to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals.

Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world.

Alipay has established strategic cooperative relations with more than 80 banks at home and abroad, as well as institutions such as VISA and MasterCard, and has become the most trusted partner of financial institutions in the field of electronic payment.

2. What does Alipay's personal credit contract mean?

Alipay personal credit

It means that the user clicks to agree to the personal credit information inquiry and submit the authorization, and the subsequent Alipay platform will record the loan and repayment of the user's flower garden on the personal credit report, which means that the credit information has been collected. After clicking Agree, you can't cancel and close it. It's no longer needed.

In addition, if new users want to open a service agreement after the service upgrade, it is recommended to standardize their repayment behavior.

3. What is Alipay Credit?

Mainly refers to the credit line!

Alipay credit line generally means that users will be authorized a certain amount when they bloom or borrow flowers, and users will spend or borrow money within this amount.

However, repayment must be made in accordance with relevant regulations after use, and overdue repayment cannot occur, because there will be penalty interest after overdue repayment. The longer the time is, different users will get different quotas when authorizing quotas, but users can increase the authorized quotas after using them according to regulations.

For example, users will return the flower buds on time after use, and there will be no overdue situation. After a period of time, the quota can be increased.

If users usually borrow money by borrowing, different users will get different interest rates when borrowing, but with the increase of borrowing times, the user's interest rate will decrease. When borrowing money, users can choose different repayment periods, and then calculate interest on a daily basis, which can be returned in advance.

4. What is the sesame credit of Alipay? What's the use? What authorization did you just see? ...

Sesame Credit on Alipay is the credit rating of personal Alipay account, similar to credit card quota rating.

note:

1. When the personal sesame credit score reaches 600, the system can selectively open debit or consumption for Alipay account.

2. Sesame Credit is an independent third-party credit evaluation and credit management institution. Based on all aspects of information, it uses big data and cloud computing technology to objectively present personal credit status. By connecting various services, everyone can experience the value brought by credit.