1. Did you check the credit on the spot to see the liabilities?
Face-to-face signing will not look at liabilities, because face-to-face signing is the process of issuing cards. As early as the user's application, the bank has already reviewed the user's credit information and loan liabilities, and will notify the face-to-face card signing after the approval. The interview is mainly to confirm whether the user's identity information is correct. The general face-to-face interview process is simple. The staff will ask a few questions about work salary, residence, car production and so on. According to their personal situation. The user answered truthfully and the face-to-face interview ended.
Second, how to treat the total liabilities in credit reporting?
It is impossible to view the total liabilities on the credit report, and the credit report will not directly show the liabilities of users. For loans under the user name, the credit report will only show the latest monthly repayment amount of the user, while for credit cards, only the latest credit card bill of the user will be displayed. The bank will combine the repayment record on the credit report with the user's running situation to judge whether the user has sufficient repayment ability for the loan being applied for. If the user determines the total personal debt, he can calculate the total debt through the loan record on the credit report.
3. What are credit reports and liabilities?
The credit report includes:
1, personal basic information (including identity, marriage, address, occupation, etc. );
2, personal credit summary (credit tips, credit and default information summary, credit and debt information summary);
3. Credit transaction information (asset disposal information, guarantor compensation information, loans, debit cards);
4. Details of public information (records of housing provident fund participation and pension insurance payment);
5. Credit inquiry records (summary of inquiry records and details of non-internet inquiry records).
Banks transmit personal loans, credit cards, guarantees and other debt information to the credit information system of the People's Bank of China. All banks, as long as they have ID cards, can check personal credit information through the credit information system of the People's Bank of China.
Liabilities refer to the current obligations formed by past transactions or events of an enterprise, which are expected to lead to the outflow of economic benefits from the enterprise. Current obligations refer to the obligations that the enterprise has undertaken under the current conditions. Obligations arising from future transactions or events are not current obligations and should not be recognized as liabilities.