Credit cards have overdue records, which is expressly stipulated. Once the loans overdue record is generated, the personal credit rating will be affected, and people will not be able to enjoy the preferential interest rate of banks or even get loans. Therefore, it is generally not affected to prevent bank credit card overdue loans from being repaid immediately within the specified time.
2, the debt is too high
My debt is too high, for example, I have borrowed money before, and the loan amount is relatively large, accounting for 70% and 80% of my income, so my personal credit rating will be relatively low and the loan amount will be greatly reduced.
3. Organize credit information inquiry.
If the personal credit report is checked by other institutions several times, it will lead to a bad impression on the bank. After all, from the bank's point of view, this kind of personal behavior is likely to be checked by personal credit records caused by loans from several institutions, so everyone should pay attention to some loan information on the Internet and check these.
4. Spouse's credit history
The spouse's personal credit is also a very important factor. If you are married, if the other half has bad credit, loans overdue record of bank card or excessive debt, the rating of personal credit record may be affected.
5. Unpaid taxes
Whether I owe taxes, if I do, it will happen in my personal credit record, leading to a lower rating.
6. Other personal behaviors
Because my credit record is particularly important now, the scope of endangering the credit record is getting wider and wider, and some data information other than credit will also affect the credit record, such as unpaid property management fees, utilities, gas fees, etc., and will also be included in the credit record.
What is the impact of bad credit records? 1. It is impossible to apply for loans in financial enterprises such as banks and small loan companies. If you want to start a business with a loan or your liquidity becomes empty, even applying for a mortgage or car loan can be avoided.
2. No more credit cards. If you have a bad personal credit record, you can't apply for another bank credit card for your daily transactions. Every bank is the same, because every bank can find your personal credit record.
3. Endanger my traffic. If my personal credit record is a credit blacklist, for example, I maliciously defaulted on a bank loan and was sued by the bank. It will make it impossible for lenders to fly and stay in star-rated hotels.
Workflow for entrusted deduction and repayment of provident fund 1. Prepare the application materials in advance: (1) the original and photocopy of the ID card of the entrusting party; (2) a bank passbook (card) that promises to repay the provident fund loan with bank deposits; (3) Fill in the Application Form for Entrusted Deduction of Housing Provident Fund and Repayment of Provident Fund Loans (collect the Application Form from the bank where the account is opened or visit the website of Housing Provident Fund for free download).
2. Customer enterprise certification account information. Customers will fill in the application form and submit it to their subordinate units (enterprises that pay their own provident fund). After filling in the customer ID number and the deposit account of the provident fund, the company will stamp the bank seal embedded in the unit's provident fund to verify the authenticity and accuracy of the customer's provident fund deposit account information.
3. Apply to the bank for authorization of entrusted deduction. (1) Deposit the entrusted deduction repayment information in the bank for filing, and print the registration receipt. (2) The depository bank applies for the authorization of entrusted deduction repayment and signs the Power of Attorney for Entrusted Deduction Repayment of Provident Fund.