At present, it has not been included in the national credit information system, and eight private credit information enterprises have been authorized to prepare for credit information. Presumably, in the near future, the credit reporting of various credit reporting companies will also realize national networking.
After the deadline, bad records will be recorded in the company's credit information system. The following conditions will be recorded in the bad credit record:
1. The credit card is overdue three times in a row (or six times in two years).
2. The monthly mortgage payment is overdue or unpaid for 2 to 3 months.
3. The monthly car loan payment is overdue for 2 to 3 months or unpaid.
4. If the loan interest rate increases, 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, you will also need to pay an annual fee. If you don't pay it, you will have a negative credit history.
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.
10, personal credit card cashing behavior.
1 1. Outstanding student loans.
12. Mobile phone charges are linked to bank card charges. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.