1. It will affect the borrower’s credit record. Kakadai has been connected to the central bank's credit report. Failure to repay overdue payments will leave a bad credit record, which will affect the processing of new credit business.

2. Unable to participate in normal activities related to banking business, such as being unable to make any form of loans and being unable to apply for and use credit cards. For families, it may affect their children’s education, and their spouses may not be able to take out normal loans.

3. The most serious thing is that the Kakalo official will call you and ask you to repay the loan, and then you may be asked to mortgage your property.

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With the gradual establishment and improvement of my country's credit reporting system, bad credit reporting records have become one of the most critical factors for banks to examine loan applicants. And as credit management becomes more and more strict, the impact on our lives will become more and more serious. So what serious impacts will bad credit records have?

What serious impacts will a bad credit record have?

1. Unable to apply for a loan

Some people may think this does not matter, but no matter whether it is a loan to start a business, daily consumption, or capital turnover, it is impossible to apply for a home loan, a car loan, or an online loan. will be turned away.

2. You can no longer apply for a credit card

The usefulness of credit cards is self-evident. Compared with Huabei and JD Baitiao, credit cards have more discounts, such as China Merchants Bank’s Food Five every Wednesday. The discount is a real deal. Once you have a bad credit report, it will be the same in every bank, because each bank can check your credit record.

3. It will seriously affect your personal life

If your personal credit record is blacklisted, for example, if you maliciously default on bank loans and fail to repay, you will be sued by the bank. This will result in the borrower being unable to fly, stay in star-rated hotels, or have children attend school, etc.

4. Impact on the other half in the future

It is said that the new version of the credit report will not only show the personal credit record, but also the credit of the husband or wife. If there is a bad record, it will affect a family. , for example, if the husband’s credit record is bad, the wife’s mortgage loan will also be rejected.

"Credit reporting" is particularly important. All bad records will affect our lives. If we are included in the central bank's blacklist due to improper use, not only will we not be able to handle banking-related business, we will not even be able to buy air tickets. , you cannot buy high-speed train tickets, you can only buy hard seats on the trains no matter where you go, you cannot stay in hotels, you can only open hotels, and all bank cards in your name cannot pay for mid-to-high-end consumption. If you are included in the credit blacklist, no matter your life or work, you will It is difficult to move even an inch.