Among contemporary young people, there is a trend before getting a marriage certificate: first check the other party’s credit report. If you have credit problems, you may not be approved for a mortgage or car loan, so you need to carefully consider your marriage.

This is not alarmist, but more and more a law of survival. Many people can easily borrow cash from financial institutions not because of their good image and temperament, but because of their good credit record. Because, under the same conditions, people with good credit records can obtain loans from financial institutions faster, enjoy lower interest rates, and may be able to obtain credit loans that do not require collateral.

What about people with bad credit records? They will feel the bitter consequences of not keeping their word. Some time ago, I chatted with the risk control staff of Suning Financial and found out: No matter whether you use a bank's credit card to make purchases, or use credit loan products such as Jiebei and Yishuidai, you can't have overdue repayments, because overdue represents bad credit. , I dare not lend him money.

Here, we take the arbitrary loan as an example. Ransudai is a consumer loan product under Suning Financial. Many people have quotas, up to 300,000. Regarding this kind of consumption first and repayment later, some people believe in "borrowing and repaying, and borrowing again is not difficult", while others like to delay or default on payments, making their self-willed loans overdue. If you are overdue multiple times or have been overdue for a long time in total, and you have bad credit, the consequences are really serious:

First, it will have an impact on applying for credit cards, housing loans, and car loans. If a person has bad information records, his credit risk will increase in the eyes of lending institutions such as banks and Internet financial platforms. You must know that whether a person can repay on time directly affects the interests of financial institutions such as banks and Internet financial platforms. They will be very cautious in loan review for customers with bad credit records, especially for mortgage loans that can easily cost hundreds of dollars. With a loan of ten thousand, the probability of not being disbursed is very high.

Second, it will have an impact on applying for jobs in large companies. In the recruitment process of some financial institutions, public institutions, and large enterprises, if an applicant is found to have long-term overdue records and multiple unpaid records in his credit report, he is likely to be removed. After all, whether repayments are made on time reflects an individual's integrity to a certain extent. Large companies and enterprises that are willing to recruit people often do not hire job applicants with blemished credit.

The third is the impact on the purchase of large-amount insurance. Nowadays, many high-quality large-amount insurances require a personal credit check. If a person is overdue for more than 3 months or has been overdue for more than 6 times in total, it means that the credit is not good. In order to prevent insurance fraud, insurance companies do not dare to use high-quality large-amount insurance. If the insurance is sold to him, he will not be able to enjoy high-quality protection services.

The fourth is the impact on personal travel. If a person's credit is on the credit blacklist, for example, he maliciously defaults on a loan, refuses to repay, and is sued by a bank or other financial institution, this will result in the debtor being unable to fly, buy soft sleepers on trains, or buy second-class or higher cabins on ships. You can't take first-class seats on high-speed trains and high-speed trains, you can't stay in star-rated hotels, etc.

The fifth is the impact on personal social life. A bad personal credit record will not only affect your own life, but also your family members. For example, if the husband has a bad credit record, the wife will often be rejected when she goes to a financial institution to apply for a mortgage loan, because the husband and wife are originally from the same forest. This is why contemporary young people need to check the personal credit of their future partner before preparing to obtain a marriage certificate. The reason is.

Therefore, please be sure not to be overdue and do not let your credit be damaged. With credit, you can win the respect of financial institutions and have more possibilities for wealth appreciation.

Finally, it is worth mentioning that, like credit cards, credit loan products such as Jiebei and Yishoudai are reported to the credit report in the form of consolidated submission of monthly bills. The credit report is only summarized by fund side. A record. This is a formal operation that strictly implements the People's Bank of China's credit management regulations. Not only will it not have any negative impact on those who use it normally and repay on time, it will also become a positive proof that the user has good consumption habits and credit records, which will help them apply for loans in the future. , It brings convenience to purchase financial products such as large-amount insurance.