First, personal credit is poor. Personal accounts are blacklisted by banks because of overdue interest or repeated direct non-repayment in the credit information system;

Second, those who are listed by the people's court as untrustworthy executors, have tax evasion, are in arrears with telecom broadband fees or have a major criminal record, and also belong to bank black households.

Once you become a black household and leave a credit stain, you must take timely measures to restore your reputation. There are two points: first, we must pay off the arrears, whether it is loans or public expenses (many people may not know that the records of tax arrears, civil judgment execution and telecom arrears will be reflected in the detailed personal credit report of the bank, so remember to cancel the broadband and number when not in use). The second point: Since the credit report only keeps the records of the last five years, you can cover the previous negative records with a good credit record of five years. After that, your loan will no longer be affected unless you have a major criminal record.

Precautions for the use of bank cards:

1. Bank cards, especially credit cards, must pay attention to the repayment date during use. Don't be overdue. Overdue repayment will cause your bad record, and continuous overdue will cause black households. When using a credit card, you must combine your financial ability. Unhappy credit card, exceeding repayment ability, leading to overdue repayment and arrears.

2. In order to standardize the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of credit card business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China. Laws and Regulations of People's Republic of China (PRC), Law of People's Republic of China (PRC) Commercial Bank, Regulations on the Administration of Foreign Banks in People's Republic of China (PRC), etc.

3. Article 82 stipulates that special merchants who commit fraudulent acts such as false application, cashing in credit cards, measuring and recording customer information, revealing account and transaction information, and malicious bankruptcy shall be confirmed. , shall be investigated for criminal responsibility according to law.

4. The acquiring bank shall promptly take effective risk control measures such as dismantling the acceptance terminal, properly keeping relevant evidence such as transaction records, reporting to the public security organ for handling, blacklisting, entering into the bank card risk information system, and enjoying risk information. And related bank card organizations.