The impact of bank credit stains on individuals: When using credit cards, personal credit is affected by default, resulting in credit stains, which cannot be recovered by canceling the card, which will only cause the bank to identify it as "" in the future. Malicious overdraft", this negative record will be retained for a long time.

1. Impact on loans: In housing/car mortgage loans, if there is an overdue repayment, the number of times will be accumulated and this record will not be eliminated until the loan is repaid.

2. Impact on credit card processing: It affects the approval of credit card processing or causes the limit to be reduced.

3. Others (areas to be covered): shopping, riding a bus, flying, paying bills, etc.

A good credit record has become a necessary condition for smooth loan application and credit card application. The "stain" in the credit record is likely to affect the normal business processing.

Extended information:

Involved objects:

If the person subject to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall Include them in the list of dishonest persons subject to execution and impose credit penalties on them in accordance with the law:

(1) Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents;

(2) To Obstructing or resisting execution by forging evidence, violence, threats, etc.;

(3) Avoiding execution by false litigation, false arbitration, or by concealing or transferring property;

( 4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) Refusing to perform the settlement agreement without justifiable reasons.

Baidu Encyclopedia - Person subject to execution for breach of trust