花呗用一次会被征信记录一次吗？网友：看来花呗才是最良心的产品
“花呗”可以说是支付宝旗下最重要的产品之一，大多用户或多或少都有一定的额度，使用非常便利，且最高长达41天的免息时间，但很多人却不知道，如此重要的一款产品是否上征信，会不会和其它产品一样，用一次上一次征信呢？
据了解，花呗目前是没有接入征信体系的 ，小编经过多番咨询支付宝的客服人员，也明确给予回复：花呗是不慎征信的，即使逾期也不会记录在内，这点还是非常良心的，因为支付宝旗下有很多产品都是上征信的，最为熟知的就是借呗，招联相信大家也不陌生，借还一次都是上征信，即使你借款几块钱也会被记录在内，使用多了难免征信会变花。
虽然说花呗不上征信，但也要提醒大家，切勿逾期，否则会在芝麻信用上留下负面，如今的芝麻信用可以说是第二个征信，完全可以象征个人的信用情况。
其次，花呗是入驻了白行征信，这也是国内第一家持证的民间征信机构，一旦出现逾期，负面记录就会纳入其中，其它网贷申请一般也是秒拒，所以说千万不能忽略，如果你的花呗在使用过程中，突然降额或者被关闭了，很可能就是你的大数据变乱了，可以通过支付宝的“闪银大数据”查看下个人网黑风险及大数据情况，如果有负面，一定要及时去处理，毕竟在信用时代，不管是征信还是大数据都要保持良好，否则会对日后生活造成影响。
对此，你们怎么看待良心产品“花呗”呢？
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