The number of credit card accounts 1 means that you have a credit card, and the number of accounts that have been overdue 1 means that your card has been overdue. The so-called overdue means that you have not paid on time on the due date. For the amount swiped, if a card is overdue for 90 days or more, 1 means that the number of overdue days mentioned above exceeds 90 days, but the overdue situation is only this time, so they are all 1, and the rest are 0, indicating that no other overdue situations have occurred.
Credit reporting refers to the collection, sorting, preservation, and processing of credit information of natural persons, legal persons, and other organizations in accordance with the law, and provides external services such as credit reports, credit evaluations, and credit information consultation to help customers judge and control credit Risk, credit management activities. Correspondingly, institutions engaged in credit reporting activities are credit reporting agencies, also known as credit reporting offices. In China, the Credit Reference Center of the People's Bank of China (hereinafter referred to as the Credit Reference Center) is a specialized agency that establishes your "credit file" and provides personal credit information to commercial banks. You can also check your personal credit report through the Internet or your local branch of the People's Bank of China. Hope my answer can help you.
What behaviors will affect credit reporting?
1. Improper use of credit cards
If a credit card is overdue for three consecutive times or six times within two years, it will be reflected in the personal credit record and have a direct impact on future loan applications. In addition, if someone else uses your ID card or a copy of your ID card to create a credit card arrears record, or if you cash out your personal credit card, your personal credit report will be affected.
2. Personal liabilities
Student loans, housing loans, car loans and other loans are not repaid on time; when providing guarantees to third parties, the third parties fail to repay the loans on time (the same is true for external guarantees) Debt); If the loan interest rate increases, the "monthly payment" or installment is still paid according to the original amount, and the occurrence of overdue interest, etc. will affect the personal credit report.
3. Personal credit information has been inquired many times
Whether the individual inquires by himself or authorizes others to inquire, too many credit inquiry inquiries indicate that the customer's potential debt pressure is greater, and the customer's potential The risk is higher.
4. Whether the spouse’s credit is good is a very important factor
If you are married, then if your spouse has bad credit, has a credit card overdue record, or has excessive debt, you will be Affects an individual's credit rating.
5. Bad corporate records
For example, unpaid property fees, water bills, electricity bills, gas bills, telephone arrears, tax arrears, etc. will all lead to credit ratings. reduce. At the same time, traffic violation information is also being incorporated into the credit reporting system on a pilot basis. In addition, "old people" who fail to fulfill the court's judgment for repayment will be included in the "untrustworthy list", so "stains" on their credit reports are naturally inevitable.