First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.
If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.
Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, we should continue to maintain the long-term benign use of cards, so as to "clear" our personal credit records through good credit transactions in the future.
Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.
June 5438+1October 65438+February 2009, the "Credit Management Regulations (Draft for Comment)" which has been brewing for seven years finally unveiled. For the first time, the retention time of personal credit stain records was clarified in the draft for comment, that is, bad credit records will not be published after 5 years, and the time limit for making criminal records public is 7 years.
The opinion draft aims to protect the legitimate rights and interests of the parties involved in credit reporting activities and standardize the behavior of credit reporting institutions. At the same time, it is also proposed to prohibit credit reporting agencies from collecting five kinds of personal information, such as nationality, illness, income and tax payment.
The insiders believe that the progress of the opinion draft lies in clarifying the retention period of bad credit records, but it does not propose how to solve the record of dishonesty caused by personal non-subjective will.
Some bad credit records are not the subjective will of the parties, such as banking system failure, others using their identity to maliciously swipe their cards, etc. The bad credit records caused by these reasons will make the parties feel wronged, and such bad credit records can be eliminated.