Each of us should know the common bad credit records to avoid being affected by these bad records: credit card overdraft consumption can not be repaid on time; Long-term overdue records caused by failure to repay mortgage loans on time; Long-term overdue records caused by the increase in mortgage interest rates; Long-term overdue records caused by rising interest rates such as mortgage loans and consumer loans.

How to prevent personal bad credit

Classify accounts, including credit cards, loans, savings accounts, and even coal and electricity charges, and cancel those that can be used. Learn some evasive skills, such as using online banking to set up the automatic repayment function of credit cards. Even if the cardholder forgets, the system will automatically deduct the money. Just deposit the money in full into other bound cards or accounts (preferably salary accounts), saving time. Some key dates should be recorded well, before the repayment date 1~2 days.

Because the computer system is likely to deduct money in batches before you pay it off that day, it will generate a small amount of overdue interest, and if it is not paid back for a long time, a small amount of overdue interest will also damage your reputation. ID cards, credit cards and other related accounts should be properly kept. If it is lost or stolen, it should be reported immediately, and others and other personal credit related matters should be carefully guaranteed.

A good credit record is very important for your future financial and loan business. I suggest you don't ignore it easily. There is no harm in accumulating more good credit at ordinary times.