The following are some specific behaviors that may lead to bad credit records:
1. loans overdue: Failure to repay in full according to the time stipulated in the loan contract, including various loans, such as housing loans, auto loans, personal consumption loans and credit card overdrafts.
2. Overdue credit card: failure to repay in full according to the time agreed in the credit card contract, including credit card overdraft, cash withdrawal, installment payment, etc.
3. Guarantee liability: As a guarantor, the guarantor provides a guarantee for a third party's loan or credit card, but the third party fails to repay the loan on time, resulting in the guarantor's joint liability.
4. Tax arrears: failure to pay taxes on time, including personal income tax, value-added tax and consumption tax.
5. Arrears of fees: failure to pay various fees on time, such as utilities, gas and telephone charges.
6. Execution record: compulsory execution by the court due to debt disputes, including debt default and compensation.
7. Administrative penalty: administrative penalty in violation of laws and regulations, such as traffic violation and environmental pollution.
8. Bankruptcy record: an individual or enterprise applied for bankruptcy and failed to perform relevant obligations in bankruptcy proceedings.
Bad records will have a negative impact on personal credit status, which may lead to restrictions on applying for loans, credit cards, renting houses and job hunting in the future. Therefore, it is very important to maintain a good credit record. If there are already bad records, measures should be taken as soon as possible to solve them, such as timely repayment and negotiation with creditors, and similar behaviors should be avoided in the future. At the same time, it is also of positive significance for maintaining a good credit record to inquire about personal credit reports regularly and understand your credit status.