At present, telecommunications, water, electricity and gas are not included in the credit review project of China People's Bank for the time being. Therefore, the arrears of mobile phone cards have no effect on personal credit information.

The contents of personal credit investigation are only: credit cards and loans. The savings card has unpaid annual fee, account management fee and SMS notification fee, which will not affect the credit collection and the handling of credit cards and loans.

Impact of cancellation of account due:

1, property loss

If the mobile phone number is in arrears for 3 months, it will be automatically cancelled, and then it will enter the number pool to re-select. Because the current mobile phone number is basically bound with Alipay, WeChat, bank card and other information, if our mobile phone number is not unbound before the cancellation number, new users can log in through the mobile phone verification code, and our property will also cause losses.

2. Affect the use of other mobile phone cards.

Many users who often owe the automatic cancellation number find that if the mobile phone card under their name has an overdue cancellation number, it will also affect the mobile phone card you are using. Automatically cancel the account within three months after the mobile phone card is in arrears. However, the monthly rent for these three months should be deducted normally. If you handle the mobile phone card business next time, the operator will remind you to pay the relevant fees for the overdue account of the last mobile phone number. There are also users who often receive overdue short messages after their main numbers are automatically cancelled from other numbers.

3. Affect credit

The current mobile phone number has been bound to our ID card. If the mobile phone card is automatically cancelled, it will affect our personal credit. If the mobile phone card under its name is maliciously owed or automatically cancelled for many times, it may be blacklisted by the three major operators.

Legal basis:

credit reporting industry regulations

Article 15

Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Article 16

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.