In daily driving, if you accidentally run a red light, you will face penalties from the traffic management department. Regulations stipulate that at a traffic light intersection, if you do not stop at the red light and continue to move forward, you will face a fine of 200 yuan and 6 points on your driver's license. So will the penalty for driving through a red light violation affect your credit report? I will introduce it to you below. 1. Will driving through a red light and being punished for a violation affect your credit report? 1. Driving through a red light and being punished for a violation will not affect your credit report. Personal credit reports are currently mainly used in the credit industry and are collected and collected by the central bank's credit report system. Generally, only those who fail to repay their loans, credit card overdrafts, fraudulent cash withdrawals, etc. will be included in the credit blacklist, while running a red light is only Traffic violations will not be recorded. You will only face relevant penalties from the traffic management department. 2. Running a red light should result in both points and a fine. Running a red light is violating the traffic lights on the road. According to the relevant provisions of the "Road Traffic Safety Violation Points": "Driving a motor vehicle in violation of road traffic lights will be deducted 6 points at a time." According to the relevant provisions of Article 90 of the "Road Traffic Safety Law", you can and be fined 200 yuan.

2. What is personal credit reporting? 1. Personal credit reporting refers to the collection and processing of personal credit information by personal credit reporting agencies established in accordance with the law, and provides personal credit information inquiry and evaluation services according to user requirements. activities. A personal credit report is a personal credit history record that the credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law. 2. Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

3. Factors affecting personal credit reporting Credit reporting establishes a “credit file” for each person. This file is also called a “personal credit report” and is everyone’s “economic ID card”. Most people know the importance of credit reporting, but they don’t know what behaviors will affect personal credit reporting. Although personal credit reports sometimes cause bad records unintentionally, financial institutions only look at the results and not your process. Once a bad credit report appears, whether it is objective or subjective, it will affect the approval of a loan or credit card. . The following are the situations that affect personal credit: 1. Failure to repay debts, resulting in overdue payments 1. Failure to repay credit cards overdue. Credit card repayments are not repaid on time after they are due, or the repayments do not reach the minimum repayment amount. 2 Overdue loans Some overdue loans will be reported to the credit bureau, while others will not. For example, bank loans, some small loan companies, online loans, etc. will be subject to credit reporting. Although some loan companies are not subject to credit reporting, don’t take chances. Loan companies may also be connected to other credit reporting systems. Cooperate with financial institutions to upload overdue records. 3. Overdue due to fee adjustment. Some bank interest rates are subject to floating adjustments, especially for mortgage loans. If the interest rate of a mortgage is increased, the owner will still repay the loan at the original repayment amount, which can easily lead to overdue payments. 4 Overdue due to third-party guarantee If you have made a loan guarantee for someone else, although you are not the one repaying the loan, if the borrower is overdue or fails to repay, the guarantor's personal credit report will also be reflected. 5. Overdue credit card annual fees. Some credit cards have annual fees. Most banks will incur annual fees after you open the card, and after a year you have to make a certain number of purchases before the annual fee can be waived; some people think that After opening the card, you don't have to pay back as long as you don't swipe the card for consumption. However, there will actually be an annual fee. If you don't swipe the card the full number of times and the annual fee is not repaid, it will become overdue. 2. Irrational behavior leads to bad credit records. 1. Frequent credit checking. Some friends check their own credit information no matter what, or they apply for a large number of loans in a short period of time and call their credit information too many times. Checking their credit information in a short period of time is too Many of them will also affect your personal credit report.

2. Apply for too many credit cards in a short period of time. Some people do not refuse credit card promotions. If you apply for too many credit cards in a short period of time, your credit report will be called every time you apply for it, which will also have a negative impact on your credit report. 3. Bad credit records caused by social behaviors. Bad credit records caused by social behaviors are mainly reflected in corporate records. Generally speaking, the following behaviors will be included in corporate records: 1. Tax arrears include personal income tax. and other income taxes payable. 2 Civil Judgment Records If a civil lawsuit is involved and the court's judgment is not executed on time after it is issued, the court will upload this behavior to the personal credit report. 3. Enforcement records. Enforcement by the court will also be uploaded to personal credit records. 4 Administrative penalties: If you fail to fulfill the penalty on time after receiving administrative penalties, the administrative agency will also upload this behavior to the personal credit report. 5 Telecommunications Arrears Record Telephone arrears may seem like a small matter, but if you fail to pay for a long time, the telecommunications department will also upload this behavior to your personal credit record. 6 Subway fare evasion Does subway fare evasion require a credit report? You are right, Shenzhen Metro has already implemented it. Once fare evasion is caught, it is likely to be uploaded to the personal credit report system. 7. Running a red light. Don’t think that you can do whatever you want when crossing the road in the Chinese style. If you are caught by a police officer running a red light, you are likely to be recorded in your personal credit report. Currently, there are cases in Shenzhen, Chongqing and other places of running a red light and being recorded in your personal bad credit report. 8 Tourism Negligent Behavior The National Tourism Administration has previously issued a document that will establish tourists’ uncivilized travel files at different levels. Airlines, travel agencies, tourist hotels, etc. will link up to form a notification and accountability mechanism for tourists’ uncivilized travel information. In the future, it will also cooperate with credit reporting Platform docking. Behaviors such as being idle, throwing garbage carelessly, and leaving random messages will all affect your personal credit report.