Credit card overdraft consumption and mortgage loan are overdue for three consecutive times, totaling six times; Malicious use of credit card to cash out, without activating the credit card, if there is an annual fee, it will also produce a negative credit record.

2. The mobile phone number is down but the relevant formalities are not handled, resulting in a monthly fee.

3. The interest owed by the mortgage is overdue.

For example, when paying back the mortgage, I didn't notice that the increase in interest rate would lead to an increase in monthly payment and eventually lead to overdue interest.

4. Failing to repay the loan on time when guaranteeing the third party.

5. Economic disputes over debts.

There is also the last situation, which you may not expect, that is, not paying the water and electricity bills on time will also form a bad credit record.