What behaviors will lead to bad records in credit reports? What causes credit stains?

Major banks will regularly submit customer credit record reports to the central bank at the end of each month. If the credit card holder's loan for the month is paid off before the bank submits the credit report, even if it has exceeded the current month If the repayment period of the personal credit card is determined, the credit card will still be displayed as "normal". If the cardholder fails to repay the amount by the latest payment date, the credit card will display "overdue" status. When a cardholder fails to repay once overdue, if the cardholder can repay in time within the grace period and explain clearly to the bank customer service directly, it will not have much impact on future credit card limit increases and loans.

What behaviors of credit card holders will leave bad records in the bank’s credit reporting system?

I have summarized 13 behaviors of cardholders that will be recorded by the bank in the credit reporting system and affect future loans.

1. Credit card payments were overdue 3 times in a row and *** a total of 6 times

2. House purchase mortgage loans were overdue or non-repayable for 2 to 3 months in total

3. Car mortgage loans are overdue or non-repayable for 2 to 3 months in total every month

4. After the bank loan interest rate is raised, cardholders will still make repayments according to the original interest calculation method. , then there will be overdue interest arrears

5. Failure to repay living expenses on time, such as overdue payment of water bills, electricity bills, and gas bills.

6. tx behavior of personal credit cards

7. Long-term non-repayment of student loans

8. "Sleep" "Credit card" (that is, the individual has applied for a credit card but has not activated it for use) and does not pay the annual fee on time. Because although sleep credit card holders will not incur consumption bills, the annual fee of the credit card will still be charged.

9. Failure to repay credit card overdrafts and mortgage loans on time

10. When providing guarantees for third parties, the third parties failed to repay the loans on time

11 . If there is a financial judgment in the court, it will also be recorded in the personal credit report.

12. Mobile phone charges are linked to bank card charges. If the mobile phone card fails to go to the business hall to handle the relevant cancellation procedures after being deactivated, it will be overdue due to non-payment of the monthly collection fee, which will result in a bad record

13. Others use the ID card or a copy of the ID card illegally. Credit card debt record

When a credit card holder encounters the above situation, it will leave a bad record in the credit reporting system, and in some serious cases, the bank will be included in the "blacklist". When a credit card is overdue, the bank will also pay attention to the customer's repayment status in real time. If a loan or credit card repayment is overdue, the bank will analyze it. Occasionally overdue within a short period of time, the lender or cardholder can still enjoy the bank's preferential policies. However, banks will have relevant regulations on overdue policies. For example, being overdue three times will affect your loan application. Therefore, everyone should develop a good habit of repaying loans on time and don’t take chances. What is considered a stain in the judiciary?

Being convicted and sentenced by a court will be stained.

If you have criminal stains, you have experienced the trial of a criminal case, and the record of the crime will follow you.

As long as you are not convicted and sentenced by the court, there will be no stain and no impact on your work. Moreover, the actions and consequences of criminal suspects or criminals shall be borne by themselves and will not have any impact on their descendants.

Administrative penalties have no record and fall within the scope of public security management penalties. Although there is no criminal record for those who have received administrative penalties, they will be recorded as having been punished.

However, the political review will have no impact on the next generation of children, and those who will have a criminal record will be subject to criminal punishment.

Criminal detention records will not be eliminated for many years, but if the person was under 18 years old at the time of the crime and was sentenced to a sentence of less than five years in prison, the relevant criminal records should be sealed.

Criminal records that have been sealed shall not be provided to any unit or individual, except when the judicial authorities need to handle the case or the relevant unit conducts inquiries in accordance with national regulations.

What are the consequences of having stains on the file?

The so-called stains usually refer to the criminal record, which generally refers to a person’s past record of committing crimes or criminal acts. Also known as the criminal record system, in Chinese law it generally refers to the file records of criminal records, and the criminal files are generally stored in the public security department for preservation.

Talks on files have a greater impact on adults:

1. All jobs that require political review will be affected.

For example, if you are a soldier, you will not be able to get into the civil service examination, especially for departments such as the Public Security Bureau, the Procuratorate, and the Department of Justice. If your immediate family members have criminal records, they will be easily implicated. If it is national security, intelligence, security and other departments, don't even think about it.

2. Other state-owned enterprises, public institutions, people's organizations and other state-owned units generally also need political review.

In addition to being affected by oneself, the criminal records of immediate family members still have an impact on the next generation.

Legal Basis

Article 286 of the "Criminal Procedure Law of the People's Republic of China" Anyone who was under 18 years old when committing a crime shall be sentenced to a fixed-term imprisonment of not more than five years If a penalty is imposed, the relevant criminal records shall be sealed. Criminal records that have been sealed shall not be provided to any unit or individual, except when the judicial authorities need to handle the case or the relevant unit conducts inquiries in accordance with national regulations. Units that conduct inquiries in accordance with the law shall keep confidential the sealed criminal records.