1.ABC Bank
The regulations of Agricultural Bank of China require borrowers to have a good credit record and no outstanding loan principal and interest before they can issue loans.
2. Industrial and Commercial Bank of China
ICBC's personal consumption loan is overdue for 6 months or more in the last 24 months, and personal housing loan is overdue for 12 months or more in the last 24 months.
3. Bank of China
According to the regulations of China Bank, the credit history of a credit card exceeds the interest-free period by one month or the interest-free period 1 period, and it has been overdrawn twice in the last three months. If the credit card is overdrawn for two months or the quasi-credit card exceeds the interest-free period of three months, the card will be rejected.
4. China Construction Bank
If CCB stipulates that a customer defaults on the loan principal or interest for more than 90 days, and defaults on the loan principal or interest in installments for more than 6 consecutive futures periods, the customer is currently bagging in the personal credit information system of the People's Bank of China or in CCB and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ) overdue, or have a bad record of overdue for more than 90 days in the recent 65438+February.
How to remedy overdue credit reporting?
1. If it is because the annual fee is not paid, the impact is not significant.
If it is overdue just because the annual fee has not been paid, the impact is not great. Don't worry about this, you can go directly to the relevant bank to issue a "non-malicious overdue certificate".
You can't cancel the credit card after it expires.
If the credit card is overdue, don't cancel it immediately. If the card is cancelled immediately, the overdue record will continue to be kept. Therefore, it is recommended to continue to use the card for 24 months, and then do other processing when the overdue credit is covered by good credit. Many people think that if I pay off my overdue debts, I will cancel my card and get rid of my bad credit record, which is wrong.
3. Good behavior can also be "remedied"
"Bad credit records" can be kept for five years. After five years, the credit reporting agency will be deleted, but the overdue money must be paid off. In addition, if the negative record is only caused by credit card, you can rest assured to remedy it. If the debt is paid off and the credit card is credited, as long as the repayment is made in full for two years, the bad credit record will be eliminated over time and personal credit will return to normal. If you have a bad record for non-personal reasons, you can ask the bank to issue a non-malicious debt certificate for yourself.
4. Differences in severity can be "discussed"
If it is overdue for three times and six times in two years, many banks will refuse to lend. If you are overdue for two to five years, the bank with overdue records can give you a non-malicious overdue certificate, and the bank will still lend you money, but compared with other normal customers, the amount you can borrow will be reduced and the interest rate may increase accordingly.
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