Handling credit cards does not affect credit reporting. Whether it affects the credit information depends on whether you use the card safely. If it is overdue, it will affect the credit investigation. As long as you are not overdue, using a credit card will not affect your credit information.
Overdue credit card is a breach of contract. Taking responsibility for breach of contract, tarnishing personal trust, is not conducive to the later bank lending business, resulting in overdue records in the credit report.
Overdue consequences: 1. Bear a high penalty interest; 2. Causing legal disputes; 3. Leave a "credit stain" in the national credit information system. So don't be late.
What are the common behaviors that affect personal credit reporting?
Overdue credit card, loans overdue, overdue fee adjustment, overdue third-party guarantee, overdue annual credit card fee, bad credit record caused by irrational behavior, frequent credit investigation, excessive short-term use of credit card, bad record caused by social behavior, tax arrears, civil judgment, administrative punishment, telecom arrears record, and subway evasion.
Reduce the plunder of borrowers:
Credit investigation can reduce the information rent charged by banks to customers (information rent refers to the excess profits obtained by lending institutions through monopolizing information of small and medium-sized enterprises). The profit of lending institutions is equal to the average market profit plus information rent. However, in the case of information sharing, this kind of excess profit will not exist, and lending institutions can only get the average profit of the market, because when banks fully understand the characteristics of borrowers, they can charge lower rents than unsuspecting competitors and get information rents from the information they have.
The information advantage of the bank itself makes the bank have certain market monopoly ability to customers, which leads to predatory behavior to customers. Customers expect that banks may charge predatory interest rates in the future, and borrowers will reduce their efforts to fulfill the contract. This situation will lead to higher default rate and interest rate, which may lead to the collapse of the credit market. However, if banks exchange information, it will ensure that borrowers' information can be effectively shared, and the ability of banks to collect information rent will be limited, which means that a large part of the total surplus generated by financing projects will be obtained by borrowers, and the net income obtained by borrowers from loans will be improved. Therefore, borrowers will have greater motivation to ensure the success of their investment projects, thus reducing the possibility of default. The interest rate charged by banks will decrease with the decrease of default rate. Compared with the situation without information transmission, the total amount of loans will increase.