Legal analysis: After clearing and canceling the card, when the customer used his ID card to check the credit card under the bank's name, it showed that the card was canceled, but when he checked the credit card arrears amount, it still existed, and the total amount owed when the card was canceled was displayed. . If a customer borrows money or applies for a credit card from this bank, he or she needs to pay off the balance in full.

Credit card issuing banks have bad credit reports when credit card users do not pay back their debts for a long time. In order to prevent the endless accrual of interest on credit card users, the card was cleaned up and canceled.

After using the card for consumption or cash withdrawal, the credit card user fails to repay the bill on the last repayment date, nor does he repay the minimum repayment amount on the bill, and has been in default for three months or has defaulted for more than 90 years in one time. Born with a bad credit score.

Interest on the unpaid amount will be calculated at 0.5% per day from the date of consumption, and compound interest will be calculated. Late payment fees will be charged at 5% of the minimum repayment amount every month.

At present, the personal credit reporting business has further expanded to foreign banks and non-banking areas, and has cooperated with pawn, guarantee, leasing and other institutions, entering a new stage of development.

The enterprise credit system collects various commercial credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, state-owned assets performance evaluation information, import and export customs declaration records, and credit financing Records and industry statistical analysis information, etc.

On April 23, 2017, Wan Cunzhi, director of the Credit Bureau of the People's Bank of China, stated that based on comprehensive judgment, none of the eight institutions preparing for personal credit reporting is currently qualified and cannot meet regulatory standards. Send out the license plate.

On February 22, 2018, the central bank’s official website announced that the personal credit reporting business application of Baihang Credit Information Co., Ltd. has been approved by the central bank. The permission includes the establishment license of a personal credit reporting agency and directors and supervisors. , Approval of senior management qualifications; the license deadline is January 31, 2021.

Legal basis: "Interim Measures for the Administration of Personal Loans" Article 11 Personal loan applications should meet the following conditions:

(1) The borrower is a Chinese citizen with full capacity for civil conduct* **Citizens of the Republic of China or overseas natural persons who comply with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;< /p>

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and no major bad credit record;

( 6) Other conditions required by the lender.