It is true that the Minsheng Credit Card Report Notice was sent to the mailbox

Pay attention to overdue credit cards. Overdue once will have little impact on the loan as long as you repay it in time. There are 13 situations in a day. A bad record will be left in the eyes of the bank, which will affect the loan:

1. The credit card has been overdue for three consecutive times and a total of six times.

2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

4. If the loan interest rate increases, the "monthly payment" will still be paid at the original amount, resulting in overdue interest.

5. Failure to pay water, electricity and gas bills on time.

6. Cashing out of personal credit cards.

7. Student loan arrears and non-repayment.

8. If the "Sleep Credit Card" is not activated, annual fees will still be incurred. Failure to pay will result in a negative credit record.

9. Credit card overdrafts and mortgage loans are not paid back on time.

10. When providing guarantee to a third party, the third party failed to repay the loan on time.

11. Personal credit reports will also record some economic judgments of the court. Therefore, financial disputes such as debt arrears will also affect your credit record.

12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, the monthly rent will be overdue due to arrears, which will also cause bad records;

13. Credit card arrears records are generated by someone else’s fraudulent use of ID card or ID card copy.