1. Guarantee for others, and other people’s loans are not repaid or overdue. Usually, when a borrower with a poor credit record applies for a loan, the bank or lending institution will require a guarantor or collateral, otherwise the application cannot be made. loan. If the borrower who plans to apply for a loan has guarantored for others, the guarantor's credit report will be recorded after guarantoring for others. If the borrower's loan has not been repaid, then the guarantor will also have credit stains. . Because according to relevant regulations, the guarantor needs to bear joint liability. That is to say, if the borrower is unable to repay the loan one day, you will need to help repay the principal and interest of the loan. Therefore, when providing guarantee for others, you need to check whether their credit status is good to prevent the borrower from running away during the loan period. If you want to get a loan, the loan amount may be affected by the borrower's loan.
2. The ID card is lost, used by others, and the credit card is overdrafted. Even if you have not applied for a credit card, you may overdraft your credit card and leave a stain on your personal credit report. The possibility of this situation is mostly that the borrower has lost his or her ID card or a copy, which resulted in someone else applying for a credit card, or even applying for multiple credit cards for frequent cash outs and malicious overdrafts, resulting in poor credit reporting and affecting his or her loan application.
3. Credit cards are stolen and credit cards are stolen by others, which affects personal credit. As serious as losing identity documents is theft of bank cards. In recent years, theft of bank card information, cloning of credit cards and other bank card thefts have gradually increased. Many borrowers keep their cards with them, but the money in the cards is stolen by criminals from other provinces or even abroad, resulting in the short-term loss of their money. If the money is not repaid overdue, it will also put a bad mark on their credit report. .
4. National student loans, if not repaid after graduation, will affect personal credit. If the national student loans applied for while in school are not returned in time after graduation, personal credit will also be affected. In order to support poor college students, the state provides national student loans. However, if the student loan is overdue and not repaid, it will also be included in the personal credit report, including the amount and overdue time, and will be retained for a long time. If the person applies for a credit card later Or when handling loan business, relevant banks can also check these credit records. Some students forget to repay their loans after graduation, resulting in overdue or default repayments, which will have a negative impact on personal credit records.