Everyone

Banco Industrial

Nougat

A financial life that protects you, a credit life that nurtures you, a data life that makes you smile
So that all your data life can be a nice daily life.
Get care with MyData, Jikimi, which puts your mind at ease.

■ Korea’s No.1 credit infrastructure, NICE evaluation information
▪ There is only one credit score that is the standard for financial life in Korea.
▪ Partnership with the largest number of institutions in Korea, with approximately 5,800 financial companies referring to it

■ No. 1 credit information infrastructure
▪ Based on information collected from the largest number of industries, including financial institutions
▪ Loans/cards as well as hidden delinquencies at a glance

■ Beyond No. 1 in credit management, we are now No. 1 in asset management as well.
▪ Perfect linkage of cash assets such as bank, card, insurance, etc. with one app
▪ Better loan repayment planning by checking loan details that are easy to forget

■ Raise your credit score right away when you need it
▪ Not only financial information but also non-financial information and my data are reflected in credit evaluation.
▪ If you link My Data, your credit score will rapidly increase right before your eyes.

■ Evaluation criteria must now be known and managed.
▪ Provides information such as repayment history and debt level that form credit scores
▪ Provide a proper improvement management plan to the vaguely managed credit score.

■ Don’t let your credit card become a red card in your credit life.
▪ Check all cards issued in my name and understand consumption history
▪ Suggest improvements such as card recommendations based on consumption type

■ Diagnose each individual’s credit status and provide a monthly credit report
▪ Once every two weeks, a report on rating changes is sent.
▪ Once a month, personalized credit report is sent

■ Block the source of illegal credit inquiries
▪ Immediately send an alarm when credit information is checked
▪ Block credit information inquiry at source when financial fraud is suspected

■ Stop delinquency, start transfer
▪ The biggest enemy of personal credit management, credit transaction delinquency
▪ Transfer date notification service in advance according to card and loan payment dates

■ Find the loan that’s right for you
▪ You can compare and apply for various loan products without affecting your credit score.

■ App permission and purpose information
▪ Mobile phone (optional): Used when calling customer service center.
▪ Photo/Media/File (optional): Joint certificate, used when uploading photos
▪ Camera (optional): Used when changing personal information and registering MY pet photos
* You can use the service even if you do not agree to the optional access rights.
* You can change access permissions in Settings > Applications > Nice Keeper > Permissions.

■ Customer Center 
- 1588-2486 (Developer contact: +8215882486) 
- Weekdays 9:00~18:00, excluding lunch time
- Website: www.credit.co.kr
- Mail order business report number: 2024-Seoul Yeongdeungpo-1095

[Loan product information] 
  - Loan period: shortest 12 months ~ maximum 120 months
  - Interest rate range: minimum 5.31% per year ~ maximum 20% per year (preferential interest rates can be applied to some products only)
    * Preferential interest rates are limited to products from some affiliated financial companies and only apply to those who have taken out a loan through Nice Jikimi’s ‘Customized Loan Service’.
  - Example of loan repayment: When borrowing 1 million won with equal repayment of principal and interest over 12 months at an annual interest rate of 5.0%, the total loan cost is 1,027,290 won (monthly payment of 85,607 won).
    * The above is an example and may vary depending on the loan product and repayment method.

 - NICE Evaluation Information Co., Ltd. is an online loan solicitation company that has concluded loan solicitation consignment contracts with a number of financial companies (Online loan solicitor registration number: No. 2022-009 / Loan brokerage registration number: 2022-Seoul Yeongdeungpo-2182)
- NICE Evaluation Information Co., Ltd. does not have the authority to conclude loan contracts, and the right to execute loans through credit screening and conclude loan contracts accordingly belongs only to financial companies that are direct sellers of financial products.
- NICE Evaluation Information Co., Ltd. is not involved in any way when financial consumers proceed with loan execution through the financial company's app or web page to conclude a loan contract.
- The available loan limits and interest rates found in NICE Evaluation Information Co., Ltd. are the result of a preliminary review by the financial company based on the information entered, and the limits and interest rates may change at the time of the actual loan application from the financial company where accurate information is reflected. You can. 
  Please be sure to check the manual and terms and conditions before signing the contract.
- Excessively checking loan limits and interest rates from multiple financial companies and platforms in a short period of time may affect your loan availability. 
- When entering into a loan contract, such as executing a loan, your credit score may drop. 
- If the loan amount is excessive compared to your ability to repay, your personal credit score may fall, and if it falls, you may face disadvantages related to financial transactions.
- If the principal and interest are overdue, you may be obligated to repay all the principal and interest before the contract expiration date.

To make all your data life a nice daily life. Get care with my data that puts your mind at ease, Jikimi.

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