1. The business is handled by a third party, but the third party fails to pay back the money on time as agreed in the contract, resulting in overdue;
2. Someone swiped a credit card or stole a personal data loan, but the real borrower didn't know it;
3. The unit failed to pay the provident fund in time, resulting in the failure to deduct the provident fund loan on schedule;
4. The credit card is not received or the credit card is not activated, but an annual fee is incurred, which leads to overdue.
Generally speaking, credit records can't be erased manually. Not only that, the entire credit information system is composed of big data and systems, and manual intervention is impossible. If there are some bad overdue records on the user's credit record, the user needs to pay off the arrears and penalty interest first, and then wait for 5 years before the credit record can be eliminated. The above is how to apply for manual cancellation of overdue credit records.
If the credit is overdue once, it will all be on the personal credit record, which will have the following effects on the individual:
1, no longer enjoy interest-free repayment; Affect personal credit records;
2. Serious overdue and huge amount will also constitute a crime due to "malicious overdraft"; If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and will sue you for credit card fraud and malicious overdraft, which will be enforced by the court;
3. Occasionally, the impact of overdue credit cards on individuals is not too serious, as long as they are repaid in time;
4. It won't be too big for personal influence if it is overdue for no more than four times in one year. If it is overdue for three or even seven months in a row, no bank loan or credit loan can be made within five years.