My mother, who is studying at the University of Hong Kong, has an overdue credit card that is influential.

Under normal circumstances, bad credit behavior due to poor personal credit, such as overdue credit cards, loans or cash out, will only affect the individual or family's application for home loans, car loans, and credit cards, but will not affect the children. go to school.

However, if a person’s credit report is so bad that he is listed as a defaulter and is included in the court’s announcement list, then it will affect his children’s schooling, and they will not be able to study abroad or attend high-fee private schools. wait.

It can be seen that the consequences of a poor credit report are serious and will affect the normal life of an individual or family. It is important to maintain a good personal credit report.