Legal Analysis: Factors Affecting Personal Credit Report 1. Credit cards have overdue records. Once an overdue record occurs, it will affect the personal credit rating, and you will not be able to enjoy the bank's interest rate concessions or even get a loan, so Avoid overdue credit card repayments. If it is a credit card cash withdrawal, but repay it in time, it will not affect your credit score. 2. Personal debt is too high. For example, if you have had a loan before, and the loan amount is large, your credit score will be lower. 3 . Your personal credit report has been inquired many times by people other than you. If your personal credit report has been inquired many times by other institutions, it is very likely that the credit record inquiry was caused by borrowing from multiple institutions. Please pay attention to some loan information on the Internet. 4. Spouse Whether your credit is good or not is very important. If you are married, your spouse has bad credit, has a credit card overdue record, or has excessive debt, it will all affect your personal credit rating.

Legal basis: "Criminal Law of the People's Republic of China" Article 303: Anyone who gathers people to gamble or engages in gambling for the purpose of profit shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance. , and impose a fine.

Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined. If the offense is serious, he shall be sentenced to fixed-term imprisonment of not less than three years and not more than 10 years, and shall also be fined.