? Candidates who pass the local civil service examination will face the last stage of the civil service examination, the political review. So will personal credit record affect the political review of civil servants? The answer is generally no. In recent years, the political review of civil servants has not been very strict compared to bank loan approval. As long as there are no malicious arrears, the problem is not big.
?Personal credit reporting refers to the activities of establishing personal credit reporting agencies in accordance with the law, collecting and processing personal information, and providing credit information inquiry and evaluation services according to user requirements. When civil servants conduct political review and review personal credit records, will there be any impact? You also need to look at the following aspects. Generally speaking, if a credit card is overdue for more than three times or a single overdue period exceeds 90 days, it is considered a bad record. If the credit card pays the minimum amount in each period, it is not considered overdue. The grace date is 1 to 3 days after the monthly payment due date of a credit card. If it is overdue for two days, it is not considered overdue. If it is considered overdue, the overdue record will be eliminated 5 years after the payment is made. In places where political review is strict, you can find a bank to open an account and get a certificate of non-malicious default.
At present, personal credit reporting has further expanded to foreign banks and non-banking areas and entered a comprehensive new stage of development. For example, when you want to apply for a business license, if your personal credit report fails, the license cannot be issued. Therefore, for our own convenience and in order to abide by the convention, we must also try our best to return the loan on the specified date and not make late returns.
?The political review of civil servants is carried out after passing the physical examination. There are currently two review methods, one is face-to-face review and the other is letter review. Both of the above review forms require candidates to provide proof of unmarried or family planning certificates, non-criminal record certificates and other supporting materials. To apply for a certificate of no criminal record, a letter of investigation from the personnel department is required.
Generally speaking, personal credit records will affect the political review of civil servants. If there are no malicious debts, the problem is not big, but no matter what, we must maintain a good personal credit record.