Two, the credit report is not cancelled refers to:
The number of accounts opened/unsold refers to the number of credit cards in your name at present, including credit cards that are being used after activation and credit cards that are not activated but not cancelled. If the credit card has an annual fee, it will also be paid if it is not activated but not cancelled. If the arrears will also affect personal credit information, it is recommended to cancel the unused credit cards.
Third, expand information-the following behaviors will affect personal credit:
(1) The credit card has been overdue for three consecutive times (or accumulated for six times in two years).
When approving mortgage loans, banks will refer to the number of overdue loans of individuals in the past two years. Under normal circumstances, it will be difficult for a couple to get a loan if they repay three times in a row or six times in two years.
According to the degree of overdue credit, it can be roughly divided into the following two situations:
1. Only one or two credit cards have expired.
In this case, the loan will not be refused, but it is possible to raise the loan interest rate appropriately, which is the first case mentioned above.
2. The credit card is overdue for three consecutive times or six times in two years.
Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan. It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.
(2) Monthly payment is overdue for 2 to 3 months or unpaid.
1, one or two short overdue will not affect the credit record;
2. If the loan is overdue for many times, the bank may collect the loan and record the bad credit.
(three) the monthly payment of auto loans is overdue or has not been paid for 2 to 3 months.
Judging from the current situation, if the car loan is overdue, the consequences will gradually increase with the increase of overdue time. If you apply for a loan directly from the bank and don't repay it, your personal credit record will be affected, and poor credit information will directly affect the borrower's future application for a loan.
(four) the interest rate of overdue loans is still paid at the original amount.
The so-called expected annualized interest rate of overdue bank loans is the expected annualized interest rate generated after banks borrowed money but did not repay it at that time. Generally speaking, if the repayment period is exceeded, a penalty interest shall be charged according to the expected annualized interest rate of overdue loans of banks, so as to urge borrowers to keep their promises.
(None) If you don't use the sleep credit card after activation, you may also have a bad credit record.
If the card is not used and ignored, it is likely to be overdue, which will directly affect the personal credit record. In addition, friends who apply for platinum cards should pay attention to the fact that some platinum cards are difficult to charge annual fees even if they are not activated, so no matter what kind and level of cards you apply for, be sure to ask about the annual fees!
(six) credit card overdraft consumption, mortgage loans, not timely repayment.
Many people have met the requirements of increasing the credit limit because they often swipe their cards and repay on time. Many cardholders often spend too much because of increasing the credit limit, and finally their inability to repay affects their credit records.
(7) When providing a guarantee for a third party, the third party fails to repay the loan on time.
If the person you guarantee runs away without repayment, as a guarantor, you have to bear joint liability, which is equivalent to adding a credit stain to you. Therefore, you must be careful when you vouch for others. Don't think that you just sign your name.
(8) Economic disputes such as debts will also affect credit records.
If you owe money and don't pay it back, or even go to court, the court will record it on your personal credit report.
(nine) water, electricity and gas charges are not paid on time.
Water, electricity, gas, garbage, property and telephone charges are all included in the credit records of the central bank in many areas. These small things may be included in the scope of "official credit investigation" and affect your personal credit.
(ten) personal credit card cashing behavior.
Credit card cashing has been banned by banks. It can be said that the risk index is as high as five stars! Sometimes, cardholders cash out because they have a weak legal awareness and don't know the consequences, and some people brazenly take advantage of the loopholes in bank management and cash out in large quantities. Once these behaviors are discovered by the bank, the amount will be reduced or the card will be blocked, and criminal responsibility may be investigated if the circumstances are serious.
(eleven) outstanding student loans.
Student loan is an important measure for the state to increase financial assistance to students from poor families in colleges and universities, and it is the best way for students from poor families to obtain funds. However, if the borrower defaults or defaults after graduation or work, it will inevitably affect the personal credit report. Moreover, if an individual is maliciously defaulting on the loan, he will definitely miss the mortgage and car loan in the future, and those who are seriously in arrears will also bear legal responsibility!
(12) The mobile phone deduction fee is linked to the bank card, and the monthly rent is overdue after the mobile phone is stopped.
Since most mobile phone numbers are now registered by real name, the information about the arrears of mobile phones is online. There are special provisions on loans for people with a history of cell phone arrears, and lending institutions will also issue housing loans to these people cautiously, because this involves a person's credit problem.
(thirteen) the identity card is fraudulently used to generate credit card arrears records.
In real life, the following situations often occur: (1) If you lend your ID card to others, the subject who lent your ID card will bear the responsibility after the deadline;
(14) Traffic dishonesty is divided into three categories: general, serious and serious.
In general, it is still based on reminding and education. Serious dishonesty is related to evaluation first, professional access, personal credit and vehicle insurance.