2. The monthly payment is overdue for 2 to 3 months or not returned.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate is raised, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.
6. Credit card overdrafts and mortgage loans are not repaid on time.
7. When providing a guarantee for a third party, the third party fails to repay the loan on time.
8. Economic disputes such as debts will also affect credit records.
9. Water, electricity and gas charges are not paid on time.
10. Personal credit card cashing.
1 1. The student loan is in arrears.
12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.
13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.
: 1. Credit investigation is a credit report and a "credit file" established by the Credit Investigation Center of the People's Bank of China. Credit information is mainly used for banking, personal loans and credit card processing. Banks need to check and evaluate personal credit reports when handling them. Personal credit investigation is an activity that a legally established personal credit investigation agency collects and processes personal credit information and provides personal credit information inquiry and evaluation services according to users' requirements. Finally, personal credit records provided to legal information inquirers according to law. Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. Article 197 of the Contract Law stipulates that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.
2. Enterprise credit investigation refers to the comprehensive evaluation of the credit capacity (mainly solvency and solvency) of enterprises, bond issuers, financial institutions and other market participants on the basis of analyzing and studying their credit records, operating level, financial situation and external environment. Formally speaking, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its credibility, and it is an indispensable intermediary service in the market economy system.