1. The credit card has been overdue for three consecutive times, totaling six times.
2. The monthly mortgage payment is overdue or unpaid for 2 to 3 months.
3. The monthly car loan payment is overdue for 2 to 3 months or unpaid.
4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. Water, electricity and gas charges were not paid on time.
6. Personal credit card is cashed out.
7. The student loan is in arrears.
8. If the Sleep Credit Card is not activated, it will still generate an annual fee. If you don't pay, you will have a negative credit record.
9. Credit card overdrafts and mortgage loans are not repaid on time.
10. When providing a guarantee for a third party, the third party fails to repay the loan on time.
1 1, and the personal credit report will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.
12. Mobile phone charges are linked to bank card charges. If you don't go through the relevant procedures after stopping using the mobile phone, it will be overdue because you haven't paid the monthly fee, and it will also cause bad records;
13. Credit card arrears records are generated by others using their own ID cards or copies of their ID cards.
The above 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is occasional and the time is not long, the bank will still give preferential treatment, but in some cases, if it is overdue for more than three times, it will affect the loan.