It will affect.

In the past two years, the concept of "personal credit" has been mentioned more and more frequently: when applying for a loan or looking for a job, someone will tell you about your "credit record" at every turn. In fact, this credit record is your "economic ID card" and can be used to prove whether you are trustworthy. At present, personal credit records are mainly recorded in the credit reporting system of the People's Bank of China, and inquiries are provided to the individual in the form of a credit report. Records about your past credit behavior will be reflected in this "credit report". At this time, you may want to say that all bad credit has been recorded. A personal credit report is an objective record of personal credit history. It records information such as personal debt repayment, contract performance, compliance with laws, etc. If you do not repay as agreed in the contract, There is bad information about repayment, but there is also positive information about you paying back the money on time. Late payment. There are many types of overdue here:

1. The credit card is overdue for 3 consecutive times and a total of 6 times;

2. The monthly mortgage payment is overdue or non-repayable for 2-3 months in total;

3. The monthly car loan payment is overdue or non-repayment for a total of 2-3 months;

4. The loan interest rate is increased, but the monthly payment is still based on the original amount, resulting in overdue interest. ;

5. Failure to repay the student loan;

6. Provide guarantee for a third party, but the third party fails to repay the loan on time. In addition, failure to pay your water, electricity, and gas bills on time will also affect your credit! Don’t take it seriously! If your mobile phone is deactivated, your account will not be cancelled. If your mobile phone number is no longer used and the relevant procedures have not been completed, the overdue monthly fee will also affect your personal credit! The same is true for credit cards. Some banks charge annual fees for credit cards. If you use If the card is left idle and the account is not closed, if things go on like this and the payment is in arrears, the cardholder will have a bad credit record. Speaking of which, I decided to take my ID card tomorrow to cancel my unused mobile phone number. In addition, personal credit cards have cash-out behaviors, debts and other court economic dispute judgment records, credit card defaults caused by others using ID cards or ID copies, traffic dishonesty (such as motor vehicles without motor vehicle license plates), and illegal construction activities. Failure to comply with penalty decisions and other behaviors will affect your personal credit record. You really have to be careful about everything