Bad bank records refer to the punishment records or disclosure records of banking institutions that violate relevant laws and regulations or have bad behaviors towards customers.

Specifically, when customers fail to repay their loans on time, evade contractual obligations, misappropriate funds, refuse to pay principal and interest, and falsely report loan application information, banking institutions will record these behaviors as bad behaviors in customers' bad records and disclose information according to law.

Second, how long has loans overdue had a bad record?

The so-called overdue, that is, overdue, generally means that when the borrower signs a repayment contract with the bank, it has not repaid in full by the repayment date and deadline. How many days overdue will constitute a bad record, depending on the degree of risk judgment of the bank. Loan business and credit card business have different identification of bad records. Whether the borrower will form a record and upload it to the credit information system after a few days overdue depends on whether the bank has a grace period. If it is uploaded to the credit information system, whether it is deemed as malicious overdue or not, each bank also has its own identification criteria, which cannot be generalized.

: 1. If it is overdue, the most serious consequence will be that the credit record will be defiled, thus affecting the personal reputation. According to the current regulations, once the credit stain is generated, it will be difficult to change and will be retained for five years.

2. If you don't repay the loan for three consecutive months, you can basically judge that he is "maliciously" in arrears. Banks are generally very cautious about such customers when approving loans. For borrowers with "three consecutive problems", banks may take measures such as refusing to lend, reducing the loan ratio and raising the loan interest rate depending on the time and amount of their arrears. For borrowers with "six-year" problems, most banks will further investigate their previous specific situation in loans overdue to make a judgment.

3. The above are the consequences of loans overdue and its identification criteria. If there is a bad record, it will have an impact on future personal loans and other related businesses. Therefore, Bian Xiao reminded every borrower to keep records and repay the loan on time every month.

3. How long can the bad record of bank loans be eliminated?

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If there has been a loan before, our bank will not make any bad comments on your usage record, but only truthfully feedback your historical usage record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted (see

4. Bad bank loan records

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