Credit shady accounts affect three generations

Many people still don’t quite understand the statement that credit shady accounts affect three generations, so let’s talk about this issue in detail.

Credit fraud generally does not affect three generations. A black credit account usually refers to a person who has many or more serious overdue records on his or her credit record, such as three in a row and six in a row. A poor personal credit report will affect the person's handling of credit cards, loans and other financial services, but the impact on children and grandchildren will be smaller. When children and grandchildren apply for credit services such as car loans and home loans, banks and financial institutions will not check the credit report of their parents or grandparents.

However, if parents or grandparents are co-borrowers when applying for student loans for their children or grandchildren, the credit report of the parents or grandparents will also be reviewed by the bank, so it will also have a certain impact on the approval results. .

How to deal with people who are unable to repay their debts

Many people will encounter situations in their lives when they are unable to repay their debts. So what is the solution to those who are unable to repay their debts?

1. Step: Discuss with the debtor and first express your attitude. The money will definitely be repaid, but it will take time. At the same time, if the debtor imposes restrictions on high consumption, you can discuss lifting them first. After all, you have to earn money to repay the debt, and it is not good to carry information from a deadbeat.

2. Step 2: Find a job. If you can’t find a job at the moment, work as a delivery boy. You can also work for Didi. The more you work, the more you gain. You can earn tens of thousands of yuan a month. .

3. Step 3: Distribute your own income and leave the family’s basic living expenses. Use the remaining money to pay off debts, and pay back a little every month. Even if you owe someone 1 million and pay back 2,000 yuan every month, you are at least paying it back, and others will know that you currently only have this ability to repay. I won’t force you to pay back 10,000 yuan a month.

4. Step 4: Work harder and harder. If your income is not good, or even when the payment is not due, you should take the initiative to call the debtor, explain the situation, and let others see it. It is important for your efforts to let others see your repayment attitude.

What are the restrictions on credit card hackers?

For credit card hackers, there will be certain restrictions in certain aspects of life. So what are the restrictions on credit card hackers?

If you become a black bank account, not only will you be unable to successfully apply for a bank loan to buy a house or a car, but if you are overdue for a long time, the bank may also sue you to the court. If you still refuse to repay, , it may be enforced, and all property and bank accounts under your name will be frozen. You may even be included in the list of dishonest persons subject to execution. You will be restricted from high consumption, prohibited from taking high-speed rail flights, and your children will not be able to attend aristocratic schools. etc.

If the credit card is overdue, remember not to cancel the card after paying off the balance, but to continue to use it for 24 months, maintain good card usage habits, repay on time, and use good records to keep the credit card in check. Cover previous bad credit history.

If you are overdue accidentally, you can actively contact the bank and ask it to help you issue a non-malicious debt certificate. Don’t underestimate this certificate, it will be of great help to you for a loan or credit card application. , the bad credit record will be automatically eliminated after 5 years from the date the debt is paid off.

In this credit-conscious society, we must develop good repayment habits, repay on time, live within our means, plan well, and guarantee carefully.

The above is the relevant content about credit card hackers, I hope it can be helpful to everyone!