I always receive complaints from my friends: "Because my credit card has been overdue several times, I always get rejected when I apply for a credit card. The bank is so unkind!"

"I applied for loans from several small loan companies, but they were all rejected. They said my credit report was too bad! Where is the difference? I refuse to accept it!"

"I vouched for a friend, but the friend refused. To pay back the money, my credit score will be affected, and I feel so wronged!”

Regarding these complaints, I can only say that I really can’t blame the banks and lending institutions for being unkind.

The bank said: I will not bear the blame. Personal credit report is an important basis for judging whether your credit is good. If you want to get a loan, you must pay attention to your credit report on weekdays. Let’s learn with me today what behaviors will “blackball” your credit.

1. "Three in a row leads to six"

At present, when accepting personal loans, banks will judge whether to lend based on the applicant's credit situation, and the bank's default bottom line is often Overdue credit: three in a row and six in a row.

"Three in a row and six in a row" means that the borrower has overdue repayments for three consecutive months or six times in total. But whether it is "three in a row" or "six in a row", both are serious. If these two situations appear on your credit report, then you will be listed as a "problem" customer by the bank and locked up in a "little dark room." The loan journey will be extremely difficult in the future!

Tips

It should be noted that "three in a row and six in a row" is very serious, but "three in a row" is more serious than "six in a row". If you have overdue repayments for three consecutive months, the bank will basically determine that you have "malicious" debts, and will be particularly strict and cautious with you when reviewing the loan, and will require you to provide previous repayment statements and understand the overdue payment. Details of repayment, etc., and the consequences you will face are also very miserable. Either you will be rejected directly, the interest rate will be horribly high, or the credit limit will be pitifully low. Therefore, no matter what, you should not be in trouble. What a situation!

2. There are "bad debts" in the credit report

Bad debts are when the bank thinks that it has failed to collect the debt from you, so it will no longer collect the debt. However, this is not a good thing. On the contrary, If you don’t deal with bad debts in time, you will basically miss out on loans in the future! Because bad debts will always remain in your personal credit report, they will always show up as long as you don’t pay them back, so don’t touch bad debts at all!

Tips

Many friends think that credit cards and loans are two different things, each with its own rules, but in fact credit cards are small loans, and there are many similarities between them. So, if you think that credit problems caused by credit card problems will not affect your loan, you are wrong! Among them, the problem of bad debts on credit cards is even more serious!

3. The "sleep card" was not processed in time

Many people apply for credit cards just to get rid of their novice status. Some people see others applying for credit cards and want to I also applied for a credit card, but I didn’t use it and kept it idle. Over time, this card became a “sleeping card”.

You need to know that as long as you apply for a credit card, regardless of whether you have opened an account or not, your information will appear in the credit reporting system. Generally speaking, credit cards have annual fees. Your credit card is a "sleeping card". If you fail to pay the annual fee as required, your credit will be overdue due to the unpaid annual fee on the credit card. This situation will still be recorded in your personal credit report. The credit report will also be "tainted".

Tips

Don’t underestimate the “sleep card”, it will also have an impact on your credit report.

4. Late payment of water, electricity and phone bills

Many people don’t pay much attention to the payment of water, electricity and phone bills, thinking that they can just pay the money they owe in the end. Yes, it’s not that you won’t pay it, but in fact your procrastination will have an impact on your credit report.

These seemingly inconspicuous tips add up to a lot of money. If you default on repayment for a long time, it will easily be included in the official credit report, so it is better not to default on it.

Tips

Everyone should pay attention to the fact that telecom call fee deposit and payment records will also be subject to a credit check. If you fail to pay your phone bills for a long time, you will not only need to compensate for the breach of contract Gold, the telecommunications department may also upload your behavior to your personal credit record, and then the gain will outweigh the loss!

5. Third-party guaranteed liability

If your friends or family invite you as a guarantor when applying for a guaranteed loan, you should not blindly become a guarantor at this time. This approach is risky, so you must think clearly before making a decision.

Because the guarantee information will be reflected in the credit transaction information details of the personal credit report, if your friend or family member is unable to repay the loan, or maliciously owes money, then as a guarantor, you are likely to will be jointly and severally liable.

Tips

Before making a guarantee, you must think clearly about the stakes involved to avoid disputes in the future!

6. The interest rate is raised, but the monthly payment remains unchanged

There is another situation when taking a loan. If you accidentally ignore it, it will have an impact on your personal credit report. Even if the loan interest rate has increased, but you still pay the monthly payment according to the previous payment, the overdue behavior caused by this situation will also be recorded. Therefore, you must keep abreast of changes in relevant policies when repaying, and repay the remaining loan according to the policy adjustments to avoid being overdue and discrediting your credit report.

In addition, personal credit card cash-out behavior, student loan arrears, tax arrears records, civil judgment records, enforcement records, housing provident fund participation records, pension insurance payment deposit records, Minimum living security assistance records, professional qualification records, vehicle transactions and mortgage records will all have an impact on your personal credit report.

Tips

If you want to get a loan smoothly, you must constrain your behavior in these aspects, otherwise, you will easily "recruit evil" and get a loan Rejected! Then don’t blame the bank for being ruthless!