Legal Analysis: Implications. It will be reviewed to see if you have public records of penalties, breach of trust enforcement, etc. You will go through a "background review" stage. At this stage, the person responsible for recruiting will check the applicant's file information, which also includes the "social credit" item. If there is a record of overdue credit card payments, it will definitely have a (bad) impact on employment.

Legal basis: Article 16 of the "Regulations on the Administration of the Credit Reporting Industry". The retention period of bad personal information by credit reporting agencies is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, should be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.