personal reasons

Under normal circumstances, it is mainly caused by forgetting to repay after personal consumption. Under normal circumstances, if you are overdue for three times in a row or six times in total, your credit will be tarnished.

Bank reasons

Sometimes, due to the bank's system reasons, personal bad credit stains will be wrongly recorded.

Other reasons

There are many such situations. For example, your ID card was fraudulently used by others to apply for a credit card, which caused a credit stain; Some people pay back their credit cards through third-party companies, and as a result, third-party companies fail to pay back in time for other reasons.

Second, first confirm what credit stains you have.

If you want to get rid of the credit stain, you must know clearly what your credit stain is. If you can't find it in the bank where the credit card is located, go to the People's Bank of China (there are branches everywhere) to check.

3. How long will the credit stain be kept?

Now, the credit stain is kept for five years. That was seven years ago. That is to say, it will be preserved for five years and then automatically eliminated. Of course, the money that should be paid back should still be paid back.

Fourth, how to eliminate stains

Heng Chang Fortune's financial experts advise cardholders with personal credit stains: this is the most effective way to maintain integrity and "brush off negative records". Many cardholders with bad credit records will think that paying off debts and canceling cards is the way to remove bad credit records, but this is all wet. Because there will be no new credit records in the credit information system after the card is cancelled, the previous bad records will always exist because they have not been replaced by new records. The central bank usually chooses to re-extract credit records from banks every two years. If the cardholder keeps a good habit of using the card after producing bad records, the new good records will be refreshed gradually after two years, replacing the old negative records.

Some cardholders said that due to a long overdue period, they may be blacklisted or forced to stop the card. Even so, it is absolutely impossible to cancel their cards. Cardholders can choose to deposit 1- 10 yuan into their cards every month to keep the status of the cards unchanged, so that bad records will be erased when the central bank extracts information.

Many cardholders only know that they can check their credit records in the central bank's credit management department, but they don't know that they can eliminate their bad records. If the cardholder's personal bad record is not caused by malicious overdue or bank mistakes, he can apply to the central bank for objection. The Credit Information Center will contact the commercial bank that provides the objection information for verification and reply to the objection applicant within the specified working days. In addition, customers can make personal statements. If customers have different opinions on personal credit records, they can apply to the credit information system to submit personal statements, describe the actual situation of bad records, clarify their personal opinions, and ask for elimination at the same time.