Nowadays, mobile phone cards are all registered by real name. If the mobile phone has a package, it will be charged every month, which is a blacklist. It is recommended to cancel after payment. It may affect the credit information. If it is affected, bank loans will definitely be affected.

Second, if the arrears of mobile phone cards are not cancelled, will it affect bank loans in the future?

Yes

The mobile phone deduction is linked to the bank card deduction. Do not go through the relevant formalities after the mobile phone is stopped, because the overdue monthly fee will affect the bank loan.

Other bad credit behaviors that affect loans:

1, credit card for three consecutive times (or two years.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. After the loan interest rate is raised, it will still be paid monthly according to the original amount.

5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't have a credit history.

6. Credit card overdraft consumption and mortgage loan

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Personal credit cards appeared.

9. The student loan is in arrears.

10, the credit card arrears record was generated by someone else with their ID card or a copy of their ID card.

Extended data

According to the provisions of Article 16 of the Regulations on the Administration of Credit Information Industry, the bad behaviors or events of credit information institutions shall be deleted after five years from the date of termination.

This means within five years from the date of termination, not from the date of bad behavior. In other words, a sum of loans overdue can only be deleted, and it cannot start from overdue.