2. At present, the credit card has no overdue record.
3. At present, there is no record that the quasi-credit card has been overdrawn for more than 180 days (excluding card fees and annual fees).
4. There is no record that the minimum repayment amount of credit card has not been paid for more than 6 times in the past 12 months (excluding card fees and annual fees).
5. In the past 24 months, there is no record of more than 6 times of single loans overdue (including repayment by the guarantor).
6. There is no record of loan extension (extension) or debt repayment with assets in the past two years.
7. There is no single record of loans overdue more than 24 times.
8. There is no record of being sued for bad credit.
Can I be a co-signatory of credit?
You can't. It can be seen from the conditions of loan guarantor that white families cannot act as loan guarantors. A white household means that there is no loan or credit card record of any financial institution, and there is no credit record in the personal credit report. Therefore, banks can't evaluate whether white households have good credit according to the credit report. Therefore, even white families with houses cannot be co-signers of credit. Banks need to rely on personal credit report to determine personal credit status, and the personal information of Bai households has not been recorded by the Credit Information Center of China People's Bank, so it is impossible to provide relevant credit reference. Therefore, white families cannot act as loan guarantors.