The more serious personal bad credit records are as follows:

1. Overdue credit card payments three times in a row or six times in two years;

2. Monthly mortgage payments Monthly payments on mortgage and car loans are 2 to 3 months overdue or non-repayable;

3. Economic disputes such as debt arrears will also affect credit records;

4. Water, electricity, Failure to pay gas bills;

5. Failure to repay student loans;

6. Failure to repay credit card overdrafts and mortgage loans in a timely manner;

7. When providing guarantee to a third party, the third party failed to repay the loan on time;

8. Personal credit card cashing out behavior;

9. Mobile phone deductions are linked to bank card deductions , it was overdue without renewal after the mobile phone was deactivated.

What are the bad records of the credit card?

The bad records of the credit card are as follows:

1. The customer brings his/her valid identity document to the local People's Bank of China for credit investigation. Inquiry by the management department;

2. When a commercial bank reviews a loan application, it can see your credit report with your written authorization; if you are already a borrower of a commercial bank, Or hold his credit card, then the card-issuing bank can also see the customer's credit record without the customer's written authorization.

Legal basis: Article 7 of the "Law of the People's Republic of China on Commercial Banks"

When commercial banks carry out credit business, they shall strictly examine the credit standing of borrowers, implement guarantees, and ensure Collect the loan on time.

Commercial banks recover the principal and interest of due loans from borrowers in accordance with the law and are protected by law.