Records of breach of trust will be recorded on the personal credit report. You can go to the bank where you apply for a loan to inquire, give your ID card to the staff, and then you can connect to the bank's machine and a detailed credit record will be printed out for you, including your current loans and credit card repayments. Payment records, etc., are very detailed. You can also directly log in to the official personal credit platform of the People's Bank of China to query. The information you can query includes overdue records of loans and credit cards in the past five years, records of overdrafts of quasi-credit cards exceeding 60 days, and telecommunications arrears, etc. Condition.
How to maintain a good personal credit report and get a smooth loan
Don’t be overdue: Whether you are repaying a credit card after swiping a card for consumption, or repaying a mortgage, you must pay attention Do not overdue repayments. Once overdue, not only penalty interest will be incurred, but the consumption record will also be saved in the personal credit system. Then when applying for a loan, it is easy to be rejected during the review.
Don’t have too many sleep cards: Many people always think that after applying for a credit card, it will not have any impact if they don’t activate it or use it. But in fact, if the credit card applied for is not activated, as long as the credit card is approved and the card is opened or not, it will be recorded in the cardholder's personal credit system, which will have a great impact on future credit card applications from this bank. And some specific cards have annual fees even if they are not activated. If you neglect this point, it is very likely that your credit card will be in arrears and overdue, resulting in a bad credit record.
Don’t default on living payments: The new version of the personal credit reporting system has been launched. All kinds of water and electricity bill payments and telephone bill payments in daily life are all recorded in the personal credit reporting record. Once you are unable to pay on time, or even subway fare evasion occurs, in the era of real-name system and the Internet, all your records will be recorded in the personal credit report, which will inevitably cause a bad credit report.
Only by maintaining a good personal credit score can you successfully obtain a loan. But we should also pay attention to saying goodbye to Baihu. Many people always think that if they have never taken out a loan and their credit report is very good, then the loan will be disbursed smoothly. In fact, users who have never taken out a loan may also be rejected when applying for a loan. A white bank account refers to someone who has never applied for a loan or credit card from any financial institution, and whose personal information has not been entered by the Credit Information Center of the People's Bank of China. Generally speaking, for bank accounts, when you apply for a loan, the bank or financial institution cannot inquire about your spending power, repayment ability and credit status, and therefore cannot make objective and reasonable judgments. Therefore, it is often much more difficult for white accounts to apply for loans than for customers with credit records. Without a personal credit record, the bank cannot guarantee whether the borrower can repay the loan on time and in full, so in order to control the bank Due to one's own credit risk, one will generally be cautious in lending. Even after agreeing to a loan, the loan amount will not be ideal. Therefore, it is also necessary to take out a loan appropriately or apply for a credit card reasonably.