First, the number of overdue days of credit investigation exceeds 90 days, indicating that your arrears have entered non-performing loans.
Second, you need to print a personal credit report (there are self-service telephones in the lobby of the local People's Bank and some commercial banks, which are printed twice a year for free) to confirm whether the words "No Entry, Attention" are displayed on the personal credit report.
Third, go to the bank card management department of the city branch where the credit card bank is located, clarify the willingness to repay, and ask that after the repayment is completed, you must help lift the restriction of "no entry, no attention".
4. After the repayment through the bank counter is completed, the bank card management department of the prefecture-level branch of the bank where the account is opened lifts the restriction of "no entry, no attention".
Five, wait five years, after the personal credit information system is automatically covered, the credit card will be automatically restored.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
201212 on February 26th, the State Council's premier Wen Jiabao presided over the the State Council executive meeting, which deliberated and passed the "Regulations on the Administration of Credit Information Industry (Draft)". The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape.
The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates strict market access conditions and corresponding approval procedures for credit reporting agencies to engage in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies to collect, store and provide credit information, and clarifies the rights of information subjects.