1. There is no large debt and no overdue, which means that there is no bad record and it still belongs to a good range. Moreover, working in a bank has little to do with personal credit reporting, so don't worry about getting started. Personal credit inquiries show that you have applied for loans or credit cards many times, but these are legal acts. As long as you don't continue to apply for loans or apply for cards in the short term and can continue to repay on time, there will be no adverse effects. If you have a steady income, don't worry about it. Especially if I still work in a bank, I won't receive any influence when I apply for a loan in the future.
2. Under normal circumstances, the banking industry and some personnel positions are strict when applying for jobs, and they all need to check personal credit information. Inquiring about credit information is only to check whether employees have bad behaviors such as overdue repayment. There are many records, which does not affect personal credit information. Credit report is an important tool to record the history of personal trustworthiness in China, and it is also the main basis for many institutions to judge whether a person is honest or not. For a long time, this was mainly used for lending by financial institutions, and now it has been extended to more fields and scenarios, such as backward adjustment of items.
How to read a personal credit report: If there are no overdue records and bad credit records in the personal credit report, it is good. Overdue records refer to loans or credit cards used by consumers, and they are not repaid on time. Bad credit record means that consumers have been sued by others for using loans or other things and lost the case. Consumers need to bring their ID cards to the People's Bank of China or its branches to print personal credit reports (the bank does not count the number of inquiries at this time). Personal report will record the basic information of consumers. In general, as long as the basic information is correct, there is no need to focus on it. Information summary is a very important part of personal credit report. In the information summary, the types of loans used by consumers, the month in which loans were issued and the repayment situation of consumers will be accurately recorded in the information summary. If consumers really see overdue records or bad credit records in the information summary, it means that consumers' credit reports are not good.