First, "three tired six"
At present, when accepting personal loans, banks often judge whether to lend according to the applicant's credit situation, and the default bottom line of banks is often overdue credit: three times in a row and six times in a row.
The so-called "three consecutive times and six consecutive times" refers to the borrower's overdue repayment for three consecutive months or six times. However, whether it is "three consecutive years" or "six tired days", it is very serious. If these two situations appear in your credit report, then you will be listed as a "problem" customer by the bank and locked in a "little black room", and the road to loan in the future will be extremely difficult!
Here, Bian Xiao has to say that "three consecutive days and six tired" is very serious, but among them, "three consecutive days" is more serious than "six tired". If you are overdue for three months in a row, the bank will basically judge that you have "malicious" debts, and will be particularly strict and cautious when reviewing loans. You will be asked to provide the previous repayment bill, understand the details of overdue repayment and so on. And the result you face is also very miserable, either directly rejected, the interest rate is scary, or the amount is pitiful. So, whether you are or not, don't be "tired"!
Second, there are "bad debts" in credit reporting.
Many friends think that credit cards and loans are two different things, each with its own rules and doorways, but in fact, credit cards are small loans, and there are many similarities between them. So, if you think that the credit problem caused by the credit card problem will not affect the loan, then you are all wet! Among them, the credit card bad debt problem is more serious!
Bad debt is that the bank thinks that the collection from you is invalid, so it is no longer a good thing. On the contrary, if you don't deal with bad debts in time, you will basically not be able to get loans in the future! Because its bad debts will always remain in your personal credit report, as long as you don't pay back the money, the bad debts will always show up, so don't touch anything!
Third, the "sleep card" was not handled in time
Many people apply for credit cards just to get rid of Xiao Bai's identity. Others want to apply for a credit card when they see others applying for it. Instead of using it, they put it there. Over time, this card became "sleep card".
You know, as long as you apply for a credit card, your information will appear in the credit information system whether you open an account or not. Generally speaking, there is an annual fee for credit cards. If your credit card is "sleep card" and you don't pay the annual fee as required, your credit will be overdue because you haven't paid the annual fee. This situation will still be recorded in your personal credit report, and your credit will be "stained".
4. Deferred payment of water, electricity and telephone charges
Many people pay little attention to such things as water, electricity and telephone charges, thinking that they can pay back the money in the end. It's not that you don't pay it. In fact, your procrastination will have an impact on your credit information. These seemingly insignificant tricks add up to a sum of money. If you don't pay it back for a long time, it is easy to enter the official credit range. It is better not to pay it back.
In addition, we should pay attention to the telecom deposit and payment, and the record of electricity deposit and payment is also the credit report at the meeting, so it is in the column of public information details of the credit report. If you don't pay the phone bill for a long time, not only do you need to pay liquidated damages, but the telecommunications department may also upload your behavior to your personal credit record, which will not be worth the candle!
(The above answers were published on 20 17- 10-23. Please refer to the current actual purchase policy. )
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