Does it matter if Ping An Bank checks my credit information?

1. Does it matter if Ping An Bank checks my credit?

If you have a credit card of Ping An Bank and use it normally, Ping An Bank can check your credit information for post-loan management. If you don't have a credit card and are not authorized to inquire about your credit information, Ping An Bank can directly complain to the Bank of China Insurance Regulatory Commission if it inquires about your personal credit information without authorization.

2. Does Ping An Bank affect credit reporting?

When Ping An Bank has a loan, it is a personal credit report at the meeting. Ping An will regularly upload the lender's loan records and repayment records to the central bank's credit information system. However, as long as the lender repays the loan on time, there will be no negative impact and there is no need to worry.

If loans overdue, it will not only leave a bad record on the personal credit information system, but even enter the credit information blacklist, which will seriously affect the lender's future financial business such as loans and credit cards, and also affect daily life.

3. Ping An Bank was overdue in March 2020. Will it affect the credit information after paying back the money in May?

Ping An Bank was overdue in March 2020 and paid back the money in May, which affected the credit investigation. According to the inquiry, after Ping An Bank's credit card is overdue, the bank will first call the cardholder for repayment. After the cardholder is overdue for more than 2 months, the bank will enjoy the rights to the debtor, which will affect the personal credit information.

4. Does Ping An Bank of China apply for credit reporting?

Ping An Bank was incorporated into the credit information management system.

I hope I can help you.