Does Ctrip Finance use it for personal credit reports?

Does Ctrip’s use of flowers to check credit information?

Ctrip’s use of flowers to check credit information. When applying for Ctrip's Huahuahua, if the applicant's credit situation is poor and there are bad records on the personal credit report, the possibility of being rejected is greater. At the same time, since Takenhua is connected to the credit reporting system, every loan and repayment you make on it will affect your credit situation.

In fact, with the continuous progress and development of China's economy, Chinese society has increasingly higher requirements for personal credit. Because of the increasing demand for credit, the country has also begun to continuously promote the establishment and improvement of the credit reporting system, gradually guiding citizens to pay attention to integrity and pursue good personal credit.

The credit reporting system has the following functions for society.

(1) Reduce the credit risk in transactions. Credit reporting effectively reduces the difficulty for both parties in the transaction to obtain the credit information of the other party and weakens the information asymmetry in the transaction. Reduce and reveal possible credit risks in transactions

(2) Help expand the scale of transactions. Credit reporting helps solve the biggest problem facing transactions, trust between both parties. This promotes the smooth conclusion of the transaction. Through this experience, both parties have become more confident in proceeding with the next larger transaction.

(3) Improved economic efficiency. Credit reporting reduces credit costs in transactions, speeds up transaction completion, and improves economic efficiency. Is there a credit check on Ctrip Finance? Pay attention to these matters

; Many people only know that they can buy air tickets, book hotels, etc. on Ctrip, but they don’t know that Ctrip Finance can also provide lending services, such as using to spend, borrowing to spend, borrowing money, etc. Consumer credit products. Although many people want to borrow money from Ctrip Finance, they don't know whether to apply for a credit report. So is there a credit report on Ctrip Finance? Here are some things you need to pay attention to.

Is there a credit report on Ctrip Finance? Ctrip Finance is a credit service platform launched by a licensed institution, and most of its cooperative financing partners are licensed financial institutions, so they will definitely be subject to credit reporting at the meeting. Ctrip Financial's credit reporting is mainly reflected in two aspects: one is that when applying for a loan product limit, the credit report will be authorized, so the inquiry record on the credit report will show the time and reason for Ctrip Financial's credit report; the other is that when applying for a credit limit, If you apply for a loan within the period, your credit report will be checked again. After the application is successful, it will be displayed in your credit record and inquiry record. In the query record, you can see the basic information of each loan, including the account opening time, lending institution, monthly repayment record, etc.

Is there any impact? Although Ctrip Financial has a credit report, there is no need to worry too much. As long as the loan is successfully borrowed from Ctrip Finance, generally as long as each installment can be repaid on time, the loan is not overdue, and the number of borrowings is controlled, there will not be much impact. The borrower can develop a loan through Ctrip Finance A good credit record can serve as a good reference for handling other credit businesses in the future. However, once it is overdue, a bad credit record will be generated, which will damage your credit report. It should also be noted that Ctrip Financial loans are consumer loans, and supervision prohibits consumer loans from flowing into real estate, investment and other fields. If you borrow a Ctrip Financial preparation loan to buy a house, it is best to apply for a home loan with Ctrip Financial 6 months before applying for a home loan. Pay it off to eliminate suspicion of down payment loans. The above is the relevant introduction to "Ctrip Financial Credit Report", I hope it will be helpful to everyone. Does Ctrip’s spending money go up to the credit report?

Ctrip’s spending money goes up the credit score.

Ctrip is an online ticketing service company founded in 1999 and headquartered in Shanghai, China. Ctrip has more than 600,000 member hotels at home and abroad available for booking. It is China's leading hotel reservation service center. Ctrip has established branches in 17 cities including Beijing, Tianjin, Guangzhou, Shenzhen, Chengdu, Hangzhou, Xiamen, Qingdao, Shenyang, Nanjing, Wuhan, Nantong and Sanya, with more than 25,000 employees.

1. Ctrip provides hundreds of vacation product lines, including "Sanya", "Yunnan", "Hong Kong and Macao", "Thailand", "Europe", "Famous Mountains", "Cities", and "Self-Driving Tours" " and more than 20 resort stores, each "store" has multiple lines with different product combinations.

Guests can choose to depart from Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Shenyang, Nanjing, Qingdao, Xiamen and Wuhan. In addition, the tourism industry is also divided into different forms of tourism such as theme tourism, surrounding tourism, domestic tourism, Hong Kong, Macau and Taiwan tourism. Each form of content is detailed and rich, suitable for guests to make different choices.

2. Nearly 500 tour guides have joined Ctrip’s private tour guide platform. The service published by the tour guide is a walking tour guide in China, including 9 hours of explanation and tour guide services every day. Tourists can complete the entire process of service booking and transaction through the platform: tourists can choose their favorite tour guide on the platform based on the tour guide’s age, gender, price, service time, comments, etc. After selection, they can also communicate with the tour guide to initially determine their needs. Before traveling, the tour guide will also customize a personalized travel route based on the needs of tourists. After confirming the itinerary, tourists can confirm the contract on the platform and pay online.

3. It is a brand new "B2C2C" personal travel sharing economy service model launched by Ctrip in 2016.

4. Ctrip consultants provide travel consulting and booking services to guests with the help of Ctrip brand and product library. Using the Ctrip Consulting APP, Ctrip Consulting can provide the most effective assistance to consumers who want travel consultation and booking services.

(Operating environment: iPhonex 14.0, Ctrip v8.39.7) Can I use it for credit reporting?

I can use it for credit reporting. If consumers use a large amount of personal consumption when using Ctrip to spend, they need to repay the money on time and within the specified period to avoid additional penalty interest fees for overdue payments. Of course, if the debtor does not repay the money owed for a long time, then the personal credit record will most likely be affected.

The impact of credit reporting:

1. It will reduce the borrower’s loan limit.

2. Do not provide borrowers with preferential interest rates or increase loan interest rates.

3. If there are multiple bad credit records, the borrower's loan application will be directly rejected.

4. It has an impact on recruitment, job hunting, renting and even visas abroad.

5. People with bad credit reports will be included in the central bank’s blacklist, which will bring a lot of inconvenience to life.

Behaviors that affect your personal credit report:

1. Failure to pay water bills, phone bills and other related expenses will affect your personal credit report.

2. If the borrower’s debt is too high. Most people already have car loans and house loan repayments that exceed the borrower's monthly income by 50%, and credit card monthly repayments that exceed the borrower's monthly income by 50% will be included in the bad credit reporting system.

3. The borrower applies for personal loan default. The loan principal and interest have not been repaid or the guarantor is repaying; as for the recent and two-year loan extension records, they will also be included in the credit record list.

4. The borrower’s credit card is overdue. If the cardholder forgets to repay or is already in arrears, more than six repayments within a year will also be recorded.

"Several Provisions of the Supreme People's Court on the Publication of Information on the List of Dishonest Persons Subject to Execution" Article 1 If the person subject to execution fails to perform the obligations specified in the effective legal document and has any of the following circumstances, the People's Court shall They will be included in the list of dishonest persons subject to execution and credit punishment will be imposed on them in accordance with the law:

(1) Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents;

(2) Forgery Obstructing or resisting execution through evidence, violence, threats, etc.;

(3) Avoiding execution through false litigation, false arbitration, or concealing or transferring property, etc.;

(4) ) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) Refusing to perform the settlement agreement without justifiable reasons.