1. The loan relationship with the bank will generate credit information;

2. The peony card used by the Traffic Management Bureau will generate credit information;

3. Credit card repayment will generate credit information;

4. Other social activities;

Overdue repayment after the repayment date will be recorded in the credit report;

Overdue bad records will be recorded in personal credit records. If you don't return it all the time, it will be blacklisted, which will affect personal credit information and online information sharing.

Handling methods and consequences of bad credit reports;

(1) Ensure timely payment of arrears and all expenses;

② Bad records can be cleared automatically after five years, and loan business can be handled normally at that time;

(3) If the repayment is not made, the bank can trace it back once after five years, and the non-recording period will be increased by five years;

(4) If the circumstances are bad, it can be traced back to permanent preservation;

⑤ During the period of bad credit investigation, you can't buy train tickets or plane tickets to travel;

6. Loans and credit cards are not allowed during the period of bad credit investigation;

⑦ During the period of bad credit reporting, travel abroad is restricted to some extent.