1, which will affect your own sesame credit score, and in serious cases, it may also affect the sesame credit score of friends and relatives.
2. After the sesame credit is overdue, you need to pay a penalty interest. If you want to recover overdue, you need to pay the principal and handling fee together.
3, affect personal credit records, causing inconvenience to future life.
4. The system will automatically deduct money and collect it, which will also affect the subsequent use of Sesame Credit.
Personal credit report is your "credit file", which comprehensively and objectively records your credit activities, such as repayment of loan principal and interest, credit card overdraft, etc. It mainly includes the following information: your basic information: including your name, ID number, home address, work unit, etc. This information tells commercial banks "who are you". Friendly reminder: In order to avoid unnecessary troubles, please don't lend your ID card at will, because the ID number is an important identification information of the credit report.
At the same time, please fill in your personal basic information accurately and truthfully when handling banking business, and contact the bank to update the information in time if there is any change, which will not only help you prevent identity fraud and fraudulent use, but also help commercial banks to accurately verify your identity. Your loan information in the bank: when and where did you borrow how much money, how much money you paid back, how much money you still have not paid back, and the monthly repayment situation. Your credit card information: which banks have applied for credit cards, the overdraft limit of credit cards and your repayment records, etc.
Your bank settlement account information: your name, certificate number, bank code, account opening date, etc. , excluding deposit and withdrawal, transfer payment and balance information of your settlement account. Records of your credit report being inquired: The computer will automatically record "when, who and why" to check your credit report. With the gradual progress of database construction, in addition to the above information, your personal credit report will also record your personal housing provident fund deposit information, social security information, whether to pay telephone, water, electricity, gas and other public utilities fees on time, as well as public information such as court civil judgments and tax arrears.
Compared with the old version, on the one hand, the new version of the personal credit report of the central bank has made great progress in the infrastructure construction of the national information system in the past few years, and achieved national networking and interconnection in many aspects, making it possible to collect important personal information; On the other hand, the development of internet finance and financial technology has made personal information more perfect, and the credit dimension has a diversified foundation. At the same time, the economic development in the new era puts forward new requirements for personal credit investigation. How to reflect the personal credit status more effectively, comprehensively and accurately, and how to establish a perfect and efficient credit society quickly have become an important task for the credit information industry at present.
The biggest difference between the new version of personal credit report and the old version can be summarized as three major changes, namely, more detailed, more comprehensive and more accurate.
The first one is more detailed. The new personal credit report will make personal information more detailed. In addition to the old personal basic information, the new personal information will be more complete, and spouse information can also be viewed. At the same time, professional information is more complete, and the amount of information is equivalent to that of resume. More detailed information will make personal credit status more clear.
The second is more comprehensive. The new personal credit report is richer and more comprehensive. For example, if the repayment record is extended to 5 years, detailed repayment information and overdue information will be recorded; The new repayment amount, overdue or overdraft amount will also be marked. In addition to financial information such as loans, the new version of credit information will also include a wider range of information, such as telecommunications business, water business payment, tax arrears, civil rulings, enforcement, administrative penalties, subsistence allowances, professional qualifications and administrative incentives.
In this way, the credit report can better reflect the personal credit situation and enhance the credibility and practical application of the personal credit report, which is also the biggest difference between the new version and the old version.
Finally, it is more accurate. The new version of personal information is more detailed and comprehensive, so that personal credit status can be more truly reflected, and the credit management of financial institutions will become more targeted and risk management more accurate, which can effectively reduce credit risk.