The first case: the credit information is connected to three or six. "Three consecutive days for six consecutive days" means three consecutive months overdue, and there are always more than six overdue records in two years. Generally speaking, if this happens in credit reporting, and then borrow money, the chances of success are slim. After all, overdue once or twice may be a probability problem in the eyes of banks, but if it happens so many times, the big probability is an attitude problem.
The second case: too many credit inquiries. If the lender's credit information is inquired many times in one year, it actually means that the lender has great risks, because there is a serious fund vacancy, so he will try his best to fill it in a hurry. Therefore, if your credit inquiry record exceeds 6 times in half a year, it is recommended not to apply for a loan again, because there is a high probability that it will not pass.
The third case: large cash withdrawal by credit card. Generally speaking, there are no clear rules for credit card consumption. If it is normal consumption, there will be no problem. However, if 80% of the credit card amount is frequently swiped in a single order, it may be monitored by the bank and judged as cash. Once the cash-out behavior is implemented, it is likely to be blacked out by banks or the whole banking industry, and it will also directly affect your future loan application.
The fourth case: the large amount of arrears has not been settled. If you still owe a lot in your name, it is difficult to apply for credit cards and loans at this time. Because the arrears in your name have taken up your personal credit line.
When lending credit cards, banks should not only refer to personal credit records, but also judge whether you have the ability to repay more money according to the applicant's current economic situation, income and total credit under his name.
The fifth case: overdue. If there is still an overdue payment in your name, it is impossible to apply for a credit card loan at this time. Credit card failure to repay on time is illegal once it is characterized as malicious overdraft, and it can even be sentenced in serious cases;
The sixth situation: there are too many online loans under the name. If there are many small online loans under your name, the bank will not only think that you are a person without self-discipline, but also question your financial ability and repayment ability because of your current amount of debt, thus rejecting your application. Personal debt ratio should not be high. If it reaches more than 70%, it is considered that the risk of the bank is high.
The seventh situation: providing huge guarantees for other people's debts. Don't guarantee others easily. Although individuals do not lend to banks, if they guarantee huge debts to others, they will also be identified as having potential repayment risks by banks.
It is worth noting that once an individual breaks his promise, it will not only affect the loan, but also affect his life. The "Several Provisions on Publishing the Information of the List of Executed Persons with Dishonesty" promulgated by the Supreme People's Court clearly stipulates that when the executed person has the ability to perform but fails to perform the obligations specified in the effective legal documents, the court may impose credit punishment on the executed person who meets the relevant conditions ex officio or upon application, that is, if the debtor or credit card with repayment obligations still fails to perform the repayment obligations after being confirmed by judicial procedures, the creditor may apply to the people's court for inclusion of the debtor in the list database of executed persons with dishonesty, and make a unified announcement to the society through the list database.
After being labeled as faithless, the faithless person who fails to fulfill the debt will be taken to restrict consumption, and the faithless person shall not have high consumption and consumption behaviors that are not necessary for life and work, including restrictions on flying, soft sleeping on trains, restrictions on children attending high-priced private schools, restrictions on buying real estate and high-grade renovated houses.
How to remedy bad credit information? What needs to be reminded is that there is no real way to quickly eliminate bad records at present, and individuals should try their best to avoid generating bad credit information. At the same time, once individuals have bad information records, they should take timely measures to remedy them.
The retention time of bad information is 5 years. According to Article 16 of the Regulations on the Administration of Credit Information Industry, 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. It is understood that the retention time of bad records of loans and credit cards starts from the time when lenders and cardholders pay off their debts. If the arrears are not paid, the overdue records will always be displayed in the personal credit report and will not be eliminated.
However, some lending institutions only check the borrower's credit history in the past two years before lending. Therefore, from the date of bad credit, as long as the debt is paid off and a good repayment record is maintained, the borrower will get a loan opportunity again two years later.