Bad credit card records refer to the bad records in the credit files established by the central bank, that is, negative credit records. The following six situations can easily lead to bad personal credit records:

First, the "sleep credit card" will still generate annual fees, and if it is not paid, it will generate negative credit records;

2. Credit card overdrafts and mortgage loans are not repaid on time;

third, the loan interest rate is raised, and the "monthly payment" is still paid according to the original amount or in installments, resulting in overdue interest;

iv. when providing a guarantee for a third party, the third party fails to repay the loan on time;

5. The mobile phone number is stopped, and the relevant formalities have not been handled. Due to the overdue monthly fee, it will also cause bad records;

VI. Being fraudulently used by others to create credit card arrears records.

Bad credit records are recorded in the basic personal credit database of China People's Bank, which can be called by all financial institutions.

Extended information:

Personal credit information system, also known as consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. Personal credit information is divided into three parts.

the first part is personal basic information, the second part is credit information and the third part is non-bank information. Personal basic information includes personal identity, spouse identity, residence information, occupation information, etc. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary, loan guarantee information summary for others, etc. Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecom users' payment, etc.

according to the actual situation, the customer's statement will also be included in the system information. This information does potentially affect individuals' lending behavior in banks.

Resources: Negative Credit Records _ Baidu Encyclopedia