If people have no faith, they will not be established, and if there is no faith, the industry will not prosper. Our parents and schools have taught us to be honest people since we were young. Integrity is also the most basic ethical value requirement in society. In today's society, as exchange relationships become increasingly complex, market entities' demand for integrity is also becoming increasingly strong. Not only economic activities require integrity, but also political activities and spiritual and cultural activities. When it comes to credit, everyone should think of credit cards, because credit cards are credit services based on trust. Today I will tell you about the importance of personal credit reporting!

What is credit used for? Everyone has heard of the famous FICO. It affects every aspect of people's lives in the United States. If you run a red light and do something bad, you may have obstacles in getting a loan or getting into higher education. Back in China, because there has been no credit education for a long time, everyone is relatively indifferent to credit. Running a red light, cheating on your insurance, or swiping a bill seems to be no big deal, and it won't affect other aspects if found out. So, we will secretly do some small bad things, but it won’t have any impact anyway. But does it really have no impact? Definitely not. Have you ever heard a joke, "A friend was going to attend a wedding in the United States. He didn't have a suit, so he went directly to the store to buy the best one and returned it immediately after the wedding." Why is this possible? You have credibility! Have you ever noticed that returns and exchanges on JD.com and Tmall are always troublesome, and it takes a long time to do so, while Amazon generally trusts its users more. This is the role of the credit system. When there is no complete credit system, merchants can only choose "distrust" to avoid risks, and the loss here is all of us.

What convenience can credit bring us? Convenient government affairs: If your Sesame Credit score exceeds 750, you can directly apply for a Schengen visa (26 European countries). You must know how troublesome it was before. Deposit-free: If you have good credit, you can enjoy deposit-free hotel booking, book borrowing, car rental and other services. Lending: Small-amount lending in the future is bound to flourish with the popularity of credit. Worry-free consumption: quick refunds, convenient returns and exchanges. If credit is worth more than money in the future, merchants won’t be afraid of you cheating and cheating. Social business card: "Oh, your credit is so low, goodbye" when you go on a blind date in the future. When buying and selling second-hand products, "If the other party has such high credibility, the second-hand ones must be trustworthy as well."