Specific circumstances:

1. Regarding the risk of bad debts caused by "IOUs", JD.COM said that he has the conditions to access the credit information system of the People's Bank of China, and he will be able to inquire and report customers' default information.

2. At the same time, in order to reduce the bad debt rate, JD.COM has interacted with the central bank, which can not only find some personal credit records, but also upload these records to the central bank if users cheat in JD.COM and maliciously fail to repay.

This will affect personal credit, and will also affect bank loans in the future.

4. The general repayment in loans overdue will lead to the existence of a bad credit record for five years, so it is necessary to ask for the arrears and keep a good repayment record for five years before it can be eliminated. Bad credit records generated by overdue repayment of ordinary credit cards will be kept in the credit information system for two years.

5. In rare cases, if the personal credit record is bad due to the responsibility of the bank, you can communicate with the bank, and the bank will apply to issue relevant instructions to the central bank to correct it. If the impact of your default repayment in JD.COM is slightly less, you will leave a record of overdue, and there will be resistance when applying for a loan.

Benefits of expanding data credit reporting:

1, saving time:

A lot of information the bank needs to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.

2. Easy to borrow:

As the saying goes, it is not difficult to borrow again. If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.

3. Credit reminder:

If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan.

If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.

4. Fair credit:

Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and gives you a fairer credit opportunity.

Baidu Encyclopedia-Zheng Xin