It’s from Zhengxin. All banks will run a credit report. From the official definition, the full name of Xishang Bank is "Wuxi Xishang Bank". It is the 19th private bank in the country approved by the regulatory authorities. It is also the second private bank in Jiangsu Province and the first private bank in Suzhou, Wuxi and Changzhou. It is owned by Hongdou Group Co., Ltd. The company and eight outstanding private enterprises in Jiangsu Province jointly initiated the establishment and officially opened on April 16, 2020. Judging from its positioning, Xishang Bank is a private bank mainly dedicated to serving small and micro enterprises and individual industrial and commercial households. It has only one outlet at its headquarters in the country and no outlets in other regions.

Behaviors that affect personal credit reporting

1. Bad credit reporting records caused by overdue payments

1. Failure to repay credit card payments on time after the due date. repayment, or repayment does not meet the minimum repayment amount.

2. Overdue loans. Some overdue loans will be reported to the credit bureau, while others will not. For example, bank loans, some small loan companies, online loans, etc. will all be subject to credit bureaus. Although some loan companies are not subject to credit bureaus, don't take chances. Once the loan is overdue, the loan company may also connect with other credit bureaus. Cooperate with financial institutions in the system to upload overdue records.

3. Overdue due to fee adjustment. Some bank interest rates are subject to floating adjustment, especially for mortgage loans. If the interest on mortgage loans is increased, the owner will still repay the loan according to the original repayment amount, which will easily cause overdue payments.

4. Overdue due to third-party guarantee. If you make a loan guarantee for someone else, although you are not the one repaying the loan, if the borrower is overdue or fails to repay, the guarantor's personal credit report will also be reflected. .

5. Overdue credit card annual fees. Some credit cards have annual fees. Most banks will incur annual fees after you open the card, and you must make a certain number of purchases after one year. No annual fee; some people think that after opening a card, as long as they do not swipe the card for consumption, they do not need to pay back the money, but in fact there will be an annual fee. If the number of swipes is not reached and the annual fee is not repaid, it will become overdue.

2. Bad credit records caused by irrational behavior

1. Frequent credit checks. Some friends have to check their credit reports no matter what, or apply for a large number of applications in a short period of time. Too many credit citations for loan calls and too many credit citations in a short period of time will also affect personal credit.

2. Apply for too many credit cards in a short period of time. Some people will not refuse credit card sales. If you apply for too many credit cards in a short period of time, a credit report will be called every time you apply for it, which also creates a problem for your credit report. cause adverse effects.

3. Bad credit records caused by social behaviors

Bad credit records caused by social behaviors are mainly reflected in public records. Generally speaking, the following behaviors will be included Go to the company records: 1. Tax arrears include personal income tax and other income taxes payable.

2. Civil Judgment Records If a civil lawsuit is involved and the court’s judgment is issued but is not executed on time, the court will upload this behavior to the personal credit report.

3. Enforcement records. Enforcement by the court will also be uploaded to personal credit records.

4. Administrative penalties: If you fail to fulfill the penalty on time after being administratively punished, the administrative agency will also upload this behavior to the personal credit report.