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

Overdue bad records will be recorded in personal credit records, and if they are not returned all the time, they will be blacklisted, which will affect personal credit information;

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.