You can choose not to sign. Refusing authorization will not affect normal use for the time being. The official reply also stated that if there is any objection after the credit authorization, the user can terminate the authorization by closing the flower bud, and the flower bud will not be used normally after the closure. Compliance, you can choose not to sign. The user saw the "Personal Credit Information Inquiry and Submission Authorization Letter" in Bai Hua's "Related Contracts and Product Description", which means that the user's Bai Hua has received the credit information. After accessing the credit information, the flower bud data will be merged and uploaded once a month. Credit investigation is to record your personal past credit behavior and generate a credit report. This report will affect your future economic activities, the most direct manifestation of which is the loan standards for car loans and mortgages. Therefore, whether you need a loan or not, it is very important to keep a good credit record.
The formal loan platform will be connected to the credit information system according to the relevant regulations of the People's Bank of China. Access to consumer loan products with personal credit information will truthfully feed back the borrower's historical usage records, which will help financial institutions to evaluate the borrower's personal credit status.
Under normal circumstances, if the borrower repays the loan on time and keeps good habits, the use of flower buds will not have a negative impact on personal credit, but will help personal credit accumulation, which is conducive to future loan applications such as mortgage and car loan.
If you need money urgently, you can consider borrowing money with a small amount of money. The application for money is simple, the loan is fast, and the loan is flexible. Users can apply on their own initiative. The interest rate of money is transparent and big brands are more reliable. The daily interest rate is as low as 0.02%). The daily interest rate of 1 10,000 is the lowest in 2 yuan, and the maximum loan amount is 200,000, which can meet the needs of most lenders. After signing the relevant authorization, its information will be reported to the central bank's credit information system. This means that if the flowers are overdue, it will affect the user's personal credit report, which is an important reference for individuals to apply for bank loans.
The credit limit for using Alipay is calculated according to the sesame credit score. From the perspective of Sesame Credit, whether institutions or other institutions want to query Sesame Credit score, they must obtain the authorization of users, and the credit evaluation is presented directly in the form of scores, which protects the specific credit information and privacy of individuals.
As long as it is not maliciously overdue, it will not affect personal credit. All open users of Sesame Credit are real-name certified users, covering a wide range. Many people who did not have credit records before to conduct traditional credit surveys began to have their own credit evaluations. Sesame credit has the ability of inter-city disaster preparedness switching and powerful ability of merchant credit information query and call. Since the public beta, it has effectively and smoothly supported users and merchants in various industries to inquire and call 7 * 24 hours.