Personal credit records personal basic information, bank loan records, etc. Its importance is self-evident. It is also regarded as an individual's "second identity card". If personal credit leaves a "stain", it may be affected in many ways.

Let's first look at how the political review is stipulated: the contents of the political review of conscription include: age, household registration, occupation, political outlook, religious belief, education level, realistic performance and political status of major family members and major social relations members. The political review of conscription should focus on the actual performance of citizens who apply for enlistment.

The main content of political assessment is stipulated, and the most important thing is to give priority to realistic performance.

Credit information system is a set of credit-based databases established by the People's Bank of China and organized commercial banks.

Overdue credit reporting will definitely have a certain impact on loans. The bank's credit review of borrowers is still very strict, generally following the principle of "three consecutive six", that is, there can be no more than six overdue cases in the last two years, and there can be no non-repayment for more than 90 consecutive days. Most banks will not refuse loans because the overdue period is less than 90 days, but each bank has different specific regulations. Some banks with strict requirements will make it clear that they are overdue in the last six months and will not give loans no matter how long they are overdue.

Therefore, the overdue period is no more than 90 days and no more than 6 times in 2 years. The possibility of applying for a bank loan is still relatively large. However, some banks may reduce the loan amount, raise the loan interest rate or shorten the loan period to reduce the risk.

Of course, users can also improve the loan pass rate in some ways. For example, if you have certain assets in the bank, the bank will be more tolerant to customers who have assets in the bank and have a history of financial investment. The second is to provide proof of other assets, such as securities and real estate. You can also find a guarantor to guarantee, provided that the guarantor has certain assets and repayment ability.

In another case, it is overdue without my knowledge. For example, if a credit card is maliciously stolen or a certificate is fraudulently used by others to apply for a credit card or loan, you can contact the bank and relevant departments to issue a certificate to eliminate your overdue record. However, with the improvement of people's attention to private information and the progress of technology, the possibility of this happening is getting smaller and smaller.

The main body of political examination in the process of conscription is the public security organs, and the inspectors also include schools and village neighborhood committees. , mainly depends on the actual performance. At present, there is no evaluation of bank credit information.

1, the individual just has some problems with credit information, which does not affect the political assessment of conscription.

2. If there is a serious problem with credit reporting, banks or online lending and other financial institutions will file a lawsuit for fraud or other reasons, which will definitely affect the political review. It is better to pay the arrears as soon as possible, even if there is no prosecution, and others will sue when they join the army. It will also affect the development of the army.

3. This version of the political review regulations has a long history, and many of them have not adapted to the current political review situation. Online recruitment has also been withdrawn. It is estimated that it will be adjusted in the future. In the future, credit reports will not affect political evaluation.

legal ground

Article 9 of the Regulations on Conscription: All units shall, in accordance with the law, carry out in-depth education on patriotism, revolutionary heroism and military service for young people, conscientiously do a good job in ideological and political work for citizens enlisted, encourage them to actively enlist in the army, and defend the socialist motherland.

Article 196 of the Criminal Law Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.

Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;

(six) other acts of illegal possession of funds and refusal to return them.

Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case but before the announcement of the judgment of the people's court, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.