Behavior that affects the credit report:
1. Personal credit cards or loans that are overdue for three or six times in a row within two years will be listed as bad credit by banks, and loan applications within three to seven years will be affected. The bank may raise the loan interest rate, reduce the loan amount, or even reject your loan application directly. Therefore, consumers are advised to pay attention to repayment time, repayment amount and repayment tips. Repay in full before the repayment deadline, and repayment also involves the time of bank transfer. It is suggested that consumers can repay the loan three days in advance. In order to avoid the bad credit record caused by bank transfer.
2. Guarantee for others and assume joint liability to provide guarantee for others, but others fail to repay on time, then assuming joint liability will also leave a stain on personal credit records. It is suggested that consumers should carefully consider and act cautiously when guaranteeing loans for others in their own names.
3. Online loans that evade Internet finance, while providing convenient and timely financial services to borrowers, have once become the hardest hit by dishonesty because they have not been connected with the central bank's credit information system. With the establishment of hundreds of bank credit reporting agencies, the credit reporting system of mutual funds has been gradually improved. In particular, the * * * special rectification team, which notified the information of debt evasion, cancelled the penalties related to the work of borrowers on P2P platform, and paid attention to further improving the online loan industry, recently made it clear that online credit loans were included in the investigation system of the People's Bank of China, which strengthened the punishment for dishonesty. According to informed sources, up to now, with the completion of the submission of the first platform such as Pleasant Loan, more than 1 10,000 pieces of information have been submitted in various places. Consumers are advised to repay the loan in time when borrowing on the online lending platform, otherwise there may be bad credit records.
4. Monthly car loans, housing loans overdue, car loans and housing loans overdue with excessive debts, or those that have not been paid for more than 2-3 months and the monthly payment exceeds 50% of the borrower's monthly income within 2 years will also be included in the bad credit information system.
5. Frequently inquiring about credit reports and personal credit reports will also affect personal credit. If consumers apply for loans from multiple Internet finance companies at the same time, resulting in frequent personal credit inquiries, banks will judge that you are in urgent need of money and doubt whether you can repay on time. Therefore, before applying for a loan, you must be clear about your purpose and choose carefully to avoid applying for a loan from multiple fund companies at the same time.
6. Identity information is fraudulently used. If the personal identity information is used unintentionally, the fraudulent party will not repay the credit card or loan, and the fraudulent party will record the bad credit record. Therefore, in daily life, consumers are advised to pay attention to personal identity information, never place personal applications at will, and never upload personal applications online. When handing over a copy of your ID card to others, you should indicate "copy is invalid" or "for XXXX use only" to avoid being used by others.
7. Uncivilized Tourism The National Tourism Administration recently stated that it will establish uncivilized tourism files at all levels, including airlines.