1. Failure to pay water, electricity and gas bills on time.

2. The credit card has been overdue for three consecutive times and six times in total.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

4. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest.

5. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

6. Cashing out of personal credit cards.

7. Student loan arrears and non-repayment.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. Failure to pay it will result in a negative credit record.

9. Credit card overdrafts and mortgage loans are not paid back on time.

10. When providing guarantee to a third party, the third party failed to repay the loan on time.

11. Credit card arrears records are generated when someone else uses the identity card or a copy of the identity card fraudulently.

12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, it will be overdue due to monthly rent arrears, which will also cause bad records.

1. To file a credit report, go to the local Credit Reference Office of the People’s Bank of China.

You need to bring the original and copy of your ID card; if you entrust someone else to act as an agent to inquire about your personal credit report at the inquiry point, the agent should provide the original valid identity documents of the principal and the agent, and a notarized certificate of authorization. Check and fill out the "Personal Credit Report Personal Inquiry Application Form" at the same time, and keep copies of the valid identity documents of the principal and agent, and the original notarized certificate of authorization for future reference.

2. According to the "Credit Reporting Industry Management Regulations":

Article 16: The credit reporting agency's retention period for personal bad information starts from the date when the bad behavior or incident is terminated. 5 years; if it exceeds 5 years, it shall be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.

Article 17: Information subjects can inquire about their own information from credit reporting agencies. Personal information subjects have the right to obtain their credit reports for free twice a year.

Article 18: When inquiring about personal information from a credit reporting agency, the written consent of the information subject must be obtained and the purpose agreed upon. However, this is excepted where the law stipulates that inquiries may be made without consent. Credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.