Legal Analysis: Factors Affecting Personal Credit Information 1. The credit card has an overdue record. Once the overdue record is generated, it will affect the personal credit rating, unable to enjoy the bank's interest rate concessions or even loans, and avoid overdue repayment of credit cards. If it is a credit card withdrawal, but timely repayment, it will not affect the credit investigation. 2. Personal debt is too high, for example, there have been loans before, and the loan amount is large. The credit rating will be lower. 3. Personal credit information has been inquired by people other than myself for many times. If personal credit information is inquired by other institutions many times, it is probably because of borrowing from many institutions. Pay attention to some loan information on the Internet. 4. Spouse's credit is very important. If you are married, your spouse's credit is bad, your credit card is overdue, or your debt is too high, which will affect his credit rating.

Legal basis: Article 303 of the Criminal Law of People's Republic of China (PRC) stipulates that anyone who gathers people to gamble or gamble for profit shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined.

Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined.