Legal analysis: Pay attention to overdue credit cards. One overdue payment will have little impact on the loan as long as it is repaid in time. However, there are 13 situations in which a bad record will be left in the eyes of the bank and affect the loan: 1. The credit card payment was overdue three times in a row and six times in total. 2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months in total. 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 according to the original amount, resulting in overdue interest. 5. Failure to pay water, electricity and gas bills on time. 6. There is cash-out behavior on personal credit cards. 7. Student loan arrears and non-repayment. 8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. Failure to pay it 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. The personal credit report 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, it will become overdue due to monthly rent arrears, which will also cause bad records; 13. ID cards or ID copies are used fraudulently by others. Generate credit card debt records.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated.