The Jiande Sub-center of the Provident Fund reminds the general public that in order to establish and maintain a good personal credit record, personal loans or credit card overdrafts must be paid off before the repayment date, otherwise a bad credit record will be formed, which will have a negative impact on individuals and families.

Credit card category: the credit card held by the borrower and his spouse has been overdue for more than 90 days or for more than 6 periods (times) in the last 24 months. Borrowers and their spouses have been sued for bad personal loans or credit cards and recorded in the credit information system.

The staff of the Jiande Sub-center of the Provident Fund said that housing loans are based on families, and credit records are also based on families. If one of the husband and wife has bad credit, it will be considered that the family has bad credit, so it is still unable to accept the application for provident fund loans.

Extended data:

According to the staff of the People's Bank of China, the bank credit information system is only an objective record of personal credit history, and there is no "blacklist". At the same time, the bank has a grace period of about 3 days for credit card users, and the repayment is not overdue during the grace period. If the credit card is overdue for three consecutive times, accumulated for six times or fails to repay for a long time, it will leave a bad record in the credit report.

According to the staff of China People's Bank, personal bad credit records will be kept for five years. After five years, the new credit record will gradually replace the original negative record. However, whether it is mortgage, car loan, or traveling by plane or high-speed rail, the relevant units do check the personal credit report when approving. If the party's credit is found to be "stained", it may be rejected. ?

People's Daily Online-Does overdue repayment of credit cards affect credit? It will be more difficult to apply for provident fund loans.

People's Daily Online-Credit card overdue repayment for one day will not be included in the "blacklist" of banks.