1, take your child to school: if you are sued by the bank as "Lao Lai", your child will not be able to attend a private school with high fees;
2. Involving children's employment: If parents' credit information is seriously tainted, it will also affect children's employment. For example, children will investigate their parents' credit information when they are admitted to civil servants and career establishment, so their children may be rejected because their parents' credit information is seriously bad;
3. Student loan for problem children: To apply for student loan for college students, you need to provide credit reports from both parents. If the parents are blacklisted, it is likely that the loan will be rejected, resulting in the child having no money to pay tuition fees.
It is worth noting that bad credit records will not only bring trouble to children, but also bring trouble to spouses. If one party has a bad credit record, even if the other party has a good credit record when applying for a loan, it is very likely that the loan will be rejected for this reason.
Credit card overdue solution:
1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;
2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment deadline, the cardholder should take the initiative to get in touch with the credit card center of Bank 4 102 to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;
3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;
4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, it is best not to cancel the credit card immediately after the cardholder has exceeded the correct time limit. It is best to stick to it for more than 2 years, and then maintain a good credit record.