1, the credit card is overdue three times in a row (or six times in two years);
2. The monthly payment is overdue for 2 to 3 months or unpaid;
3. The monthly payment of car loan is overdue for 2 to 3 months or not;
4. The loan interest rate is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest;
5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record;
6. Credit card overdrafts and mortgage loans are not repaid on time;
7. When providing a guarantee for a third party, the third party fails to repay the loan on time;
8. Personal credit card cashing;
9. Failing to repay the student loan;
10, the mobile phone charge is linked to the bank card charge, and the relevant formalities were not handled after the mobile phone was stopped, and the monthly fee was overdue;
1 1. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.
The impact of illegal credit users on life is as follows:
1, which affects the handling of credit business.
After credit information is blacklisted, any credit business that needs to be authorized to inquire about personal credit information will be affected to some extent, especially for important loans such as mortgage and car loan, loans will be directly refused. If users need funds in the future, they can only find small loan platforms or private lending institutions that can't receive credit information, and the loan cost will be much higher than that of formal institutions;
2, affecting career development
For some specific industries, such as the financial industry, there are certain requirements for job seekers' credit reporting. If the credit information is blacklisted, it will often lead to the failure of job hunting. If you have entered the business, you will also check your personal credit report when you are promoted, and the blacklist of credit information will lead to the disqualification of promotion;
3. Facing platform prosecution
For some users who have been overdue for a long time and have repeatedly failed in dunning, the platform can bring a lawsuit to the court, apply for enforcement, and freeze, seal up and auction the user's assets according to law;
4. Affect life and travel
After the platform applies to the court for enforcement, if there is no executable property under the user name and refuses to perform the effective judgment, the court will include the user in the list of untrustworthy people and limit high consumption. If you can't take high-speed rail, airplanes and other means of transportation, your child can't go to high-cost private schools.
Legal basis:
Article 16 of the Regulations on the Administration of Credit Information Industry
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.