Disadvantages of black households:

1. All land, sea and air travel are blocked

You cannot buy air tickets; you cannot buy soft sleepers on trains and second-class or above cabins on ships; Without first-class seats on high-speed trains and high-speed trains; unable to buy a private car for transportation, all travel by water, land and air is blocked!

2. You will be subject to various restrictions

You cannot join the party, you cannot take the civil service examination, you cannot engage in specific industries or projects, or participate in some types of projects, such as "setting up financial companies", " "Issuing bonds", "issuing stocks", "participating in equity incentives", etc. They are not qualified to serve as "state-owned enterprise executives", "public institution legal representatives", "financial executives", "social organization leaders", etc. Virtual credit begins to affect individuals' job search. More and more companies are also beginning to introduce third-party credit evaluation systems when recruiting.

3. Implicate family members

As long as the person is on the list of persons subject to execution for breach of trust, family members will not be able to escape implication. Family property belongs to the husband and wife jointly, and the husband and wife belong to an "economic community" at the legal level. Therefore, the credit ratings of couples will affect each other. What's more serious is that children's schooling is restricted! There was news before that a prospective college student was rejected by the university because his father defaulted on a bank loan.

4. Seizing and freezing Alipay accounts

Funds in online virtual transaction accounts such as Alipay, mobile payment, and WeChat payment are also within the scope of the property of the person subject to execution that can be enforced by the court. If it is overdue, online booking of travel accommodation, buying insurance, renting a house, going on blind dates, etc. will be restricted in the future.

5. If you are old and have no support, the pension can be directly deducted

The pension due to the person subject to execution shall be regarded as his fixed income from a third party and belongs to him Scope of Liable Property. On the premise of reserving necessary living expenses for the person subject to execution and his dependent family members, the people's court has the power to freeze and deduct the money.

In addition to basic personal information, the 6-page personal credit report also includes three major categories of information: First, credit information, including loans, credit cards, guarantees, leases, etc.; Credit information for consumption first, pay later, mainly includes telecommunications and other public utilities; third, public security information, including administrative licenses, administrative penalties, and information about dishonest persons subject to enforcement by the court. If there are bad records, they will appear in the "Overdue and Default Information Summary" column behind the basic information. Regarding the water, electricity, gas and other payment information that people are concerned about, the person in charge of the central bank said that further research is needed on which item can be included in personal credit reports in the future.

Banks say that from a practical point of view, not all banks will say "no" to you once your payment is overdue or non-performing. Commercial banks will have a set of relatively scientific algorithms to process the found credit information according to the actual situation, and finally generate a score. If the entry threshold is reached, subsequent approvals will still be continued. If it is believed that there are errors or omissions in the information collected, stored and provided by the credit reporting agency, the information subject has the right to raise objections to the credit reporting agency or the information provider and request corrections.