First, the loan has not been returned, and second, the credit card is maliciously overdrawn.

under any of the following circumstances, it will be recorded in the bad records of the bank:

1. The current status of the customer in the personal credit information system of the bank or in the bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.) is overdue, or there has been a bad record overdue for more than 9 days in the last 12 months (that is, the overdue status flag is "4").

2. It is learned that the customer has one of the following situations through other credit channels:

(1) Being listed in the bad customer information database of banks, peers or credit reporting institutions due to illegal card use.

(2) There are major lawsuits or arbitrations and other legal disputes as defendants.

(3) Malicious defrauding of bank funds.

(4) Having a criminal record while serving a sentence or in the last seven years.

3. Other bad credit behaviors identified by the issuing bank.

4. In the last 12 months, the customer had a bad record that was overdue for more than 6 days (that is, the overdue status flag was "3").

the function of credit investigation

credit investigation plays an important basic role in promoting the development of credit economy and the construction of social credit system.

one is to guard against credit risks. Credit investigation reduces the information asymmetry of all parties involved in the transaction and avoids the transaction risk caused by information asymmetry, thus playing a role in risk judgment and disclosure.

the second is to expand credit transactions. Credit investigation solves the bottleneck problem that restricts credit transactions, promotes the achievement of credit transactions, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and methods of credit transactions, and drives the expansion of credit economy.

the third is to improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions is reduced, the transaction time is shortened, the transaction space is broadened, the operating efficiency of economic entities is improved, and economic and social development is promoted.

the fourth is to promote the construction of social credit system. Credit information industry is an important part of the construction of social credit system. Developing credit information industry is helpful to curb the occurrence of bad credit behavior, to ensure the interests of trustworthy people, to maintain a good economic and social order, and to promote the continuous development and improvement of social credit system construction.