1. Bank reasons: Banks sometimes incorrectly record personal repayment time due to system problems, which will cause credit stains on borrowers. If the credit stains are caused by bank system problems, only You need to bring your relevant documents to the bank's business hall and truthfully report the situation. After verification, the credit stain will be eliminated.

2. Third-party reasons: For example, some credit card management software cannot repay foreign currency consumption when repaying the credit card. If the credit stain is caused by such reasons, you can also go to the local business office with your ID to eliminate it. If very serious consequences occur, you can file a complaint with the court.

3. Personal reasons: If the payment is overdue due to personal financial reasons or other reasons, there will be no credit stain if the repayment is made within three days.

Once a credit stain exists due to personal problems, the overdue person’s credit report will show an overdue record. This credit record will always exist and will not be cleared until the overdue person pays off the debt five years later. .

The following consequences will occur during this period

1. If there is a very serious credit stain, all credit cards, home loans, and car loans will not be available within the next five years. In short, all aspects of credit will be affected. Influence.

2. Affects personal freedom: If the bank reminds the overdue person many times to no avail, it will file a civil lawsuit with the court, and the dishonest person will be included in the list of "untrustworthy persons subject to execution" and can take airplanes, high-speed trains, or go abroad. High-consumption activities such as travel will be restricted. In serious cases, the bank may initiate criminal proceedings for economic fraud and face jail time. The definition of economic fraud in my country's criminal law is: malicious overdraft up to a certain amount for the purpose of illegal possession. When the amount exceeds 10,000 yuan, the bank has collected the money more than twice, and the money has not been repaid for three months, a case can be filed.

3. Impact on personal development: Some units and institutions attach great importance to personal credit records. If there is a credit stain, you may not be admitted or you may not be promoted while the stain exists.

Credit stains have a great impact on individuals, so try not to be overdue, and do not easily believe in online payment methods to eliminate credit stains. After all, the records are stored in the People's Bank of China, and it cannot be easily achieved through any means. Eliminated.