1. Repeated application and refusal: Every time you apply for a credit card, the application information will be displayed in your personal credit report. If personal credit records are frequently inquired in a short period of time, the bank will think that your funds are in poor condition, which will lead to the failure of your credit card approval, which will also have a negative impact on future loans.
2. Don't activate after successful application: There are some customized credit cards that charge an annual fee regardless of whether you activate them or not, or you accidentally check a deduction item in the application form and you don't know it, so this card will owe a lot of money and interest all the year round, which will further affect personal credit information.
: behaviors that affect personal credit information
1. Bad credit information records caused by overdue
1. Credit card overdue
Credit card repayment fails to be made on time after it expires, or the repayment fails to reach the minimum repayment amount.
2. loans overdue
Some people in loans overdue will receive credit information at the meeting, while others will not. For example, bank loans, some small loan companies, online loans, etc. will report credit information. Although some loan companies do not report credit information, you should not be lucky. Once the loan company is overdue, it may cooperate with other financial institutions that access the credit information system to upload overdue records.
3. Overdue due to fee adjustment
Some bank interest is adjusted by floating, especially mortgage. If the interest of mortgage is raised, the owner will still repay the loan according to the original repayment amount, which will easily lead to overdue.
4. Overdue due to third-party guarantee
If you guarantee a loan for others, although you are not paying the loan, if the borrower fails to pay it back, the guarantor's personal credit information will also be reflected.
5. Overdue due to the annual fee of credit card
Some credit cards have annual fees, and most banks will generate annual fees after you open the card, and you can avoid the annual fee after spending a certain number of times a year; Some people think that you don't have to pay back the money as long as you don't swipe your card after opening the card, but in fact there will be an annual fee. If you don't brush it up enough times and don't pay back the annual fee, it will cause overdue.
2. Bad credit records caused by irrational behavior
1. Frequent credit check
Some friends have to check their own credit checks if they have nothing to do, or there are too many times to apply for loans in a short period of time, which will also affect personal credit check.
2. Apply for too many credit cards in a short period of time
Some people refuse to accept credit card sales. Credit cards that apply too much in a short period of time will call a credit report every time they apply, which will also have a negative impact on credit reporting.
iii. Bad credit records caused by social behaviors
Bad credit records caused by social behaviors are mainly reflected in the public records. Generally speaking, the following behaviors will be included in the public records:
1. Tax arrears
include personal income tax and other income taxes payable.
2. Records of civil judgments
If a civil lawsuit is involved, and it is not executed on time after the judgment is issued by the court, the court will upload this behavior to personal credit information.
3. enforcement record
court enforcement will also be uploaded to the personal credit record.
4. Administrative penalty
If an administrative penalty fails to be fulfilled on time, the administrative agency will also upload this behavior to the personal credit report.
5. Records of telecom arrears
Telephone arrears seem to be a trivial matter, but if the arrears are not paid for a long time, the telecom department will also upload this behavior to the personal credit record.
6. Subway fare evasion
Do you still need to apply for credit information for subway fare evasion? You're right. At present, the Shenzhen Metro has been implemented. Once the evasion ticket is caught, it is likely to be uploaded to the personal credit information system.
7. Running a red light
Don't think that you can do whatever you want by crossing the road in Chinese style. If you are caught running a red light by a police uncle, you are likely to be recorded in your personal credit report. At present, there have been cases in Shenzhen, Chongqing and other places where running a red light has been recorded in your personal bad credit report.
9. Travel Negligence
The National Tourism Administration has issued a document before, which will establish uncivilized tourist files at different levels, and airlines, travel agencies and tourist hotels will cooperate to form an uncivilized information notification and accountability mechanism for tourists, and it will also be docked with the credit information platform in the future. Making noise, littering at will, lettering and leaving messages at will all affect personal credit information.