The online inquiry service of the central bank's personal credit report will be opened nationwide, in which the summary of personal credit information includes telecom arrears records.

If the mobile phone number is in arrears, it is recommended to pay it in time. If the number is in arrears, you need to go to the original business hall to pay the arrears before you officially cancel the account, so as not to affect your reputation. If the mobile phone is in arrears, it will also affect your future use of the carrier's products.

Tips: Always check the phone bill when using the number. If the number is not used for a long time, you can handle the downtime business. If you don't want to use this number, you should cancel the account in time. At present, telecommunications, water, electricity and gas are not included in the credit review project of China People's Bank for the time being. Therefore, the arrears of mobile phone cards have no effect on personal credit information.

The contents of personal credit investigation are only: credit cards and loans.

The savings card has unpaid annual fee, account management fee and SMS notification fee, which will not affect the credit collection and the handling of credit cards and loans.

However, it is suggested that the mobile phone numbers for binding bank cards and handling various banking services (including credit cards and loans) should be consistent. Because the mobile phone number changes frequently, although there is no record of the mobile phone number change in the credit report, banks will find that the mobile phone number changes frequently in the process of approving loans, and banks will worry about issuing loans, changing the mobile phone number again, and finally deliberately not paying back the loans. In order to control risks, banks will refuse to issue loans.

At present, the personal bad records of the three major operators have not been included in the personal credit management department.

However, if users maliciously default on the operator's phone bill or seriously breach the contract, they will be included in the operator's own list of dishonest users.

Incorporation will affect users' repeated use of operators' communication and business handling.