Although the services provided by Huabai are similar to those provided by credit cards, their essence is not credit cards. Alipay related people have previously said that Huayuan is not a virtual credit card, but a consumer credit (product). The authorization to upload the flower buds to the central bank's credit information center requires the user to take the initiative to check and agree before being credited. If you don't check "agree" and other operations, there will be no collection of credit information, and personal credit information will still only belong to Sesame Credit.
There are two possibilities for flower beds to access credit information: one is to increase the amount of flower beds, and the other is to upgrade the flower bed service. In these two processes, Huabai will prompt "Click the button, indicating that you agree to the agreement of Huabai service agreement, personal credit information inquiry and submission authorization, and agree to authorize the inquiry/submission of relevant information to the basic database of financial credit information." After being investigated, it is regarded as agreeing to access the central bank's credit information.
Extended data
The credit line in the use of Alipay flower buds follows the sesame credit score. According to Sesame Credit, whether institutions or others want to inquire about Sesame Credit score, they must obtain the authorization of users themselves, and the credit evaluation is presented directly in the form of scores to protect the specific credit information and privacy of individuals. As long as it is not maliciously overdue, it will not affect personal credit information.
All users of Sesame Credit are real-name certified users, covering a wide range. Many people who have no credit record in traditional credit investigation have started to have their own credit evaluation. Sesame Credit has the ability to prepare for disasters in the same city and a strong ability to query and call merchant credit information. Since the public beta, it has effectively and stably supported the 7*24-hour query and call of users and merchants in various industries.
China. com-Did Bai Hua get a credit overdraft from the central bank "buy buy Buy" or influence the loan to buy a house?