The impact of overdue Zhima Credit on personal credit is as follows:
1. It affects your own Zhima Credit score. In serious cases, it may also affect the Zhima Credit score of your relatives and friends.
2. Sesame Credit needs to pay penalty interest after it is overdue. If you want to return to overdue, you need to pay the principal and handling fee together.
3. It will affect personal credit record and cause inconvenience to future life.
4. The system will automatically deduct and collect the money, which will also affect the subsequent use of Sesame Credit.
Personal credit report is your "credit file", which comprehensively and objectively records your credit activities, such as loan principal and interest repayment, credit card overdraft limit, etc. It mainly includes the following information: Your basic information: including your name, ID number, home address, work unit, etc. This information tells commercial banks "who you are." Friendly reminder: In order to avoid unnecessary trouble, please do not lend your ID card at will, because the ID number is an important identification information in the credit report.
At the same time, when handling banking business, please fill in your basic personal information accurately and truthfully, and contact the bank promptly to update the information if it changes. This will not only help you prevent identity fraud and fraudulent use, but also help commercial banks Accurately verify your identity. Your loan information at the bank: when and how much you borrowed from which bank, how much you have repaid, how much you have yet to repay, and your monthly repayment status, etc. Your credit card information: Which banks’ credit cards you have applied for, your credit card’s overdraft limit and your repayment records, etc.
Information about the bank settlement account you opened: your name, ID number, account opening bank code, account opening date, etc., excluding deposits, withdrawals, transfer payments and balance information of your settlement account. Records of inquiries on your credit report: The computer automatically records "when, by whom, and for what reason" your credit report was viewed. With the gradual advancement of database construction, in addition to the above information, your personal credit report will also record your personal housing provident fund payment information, social security information, and whether you have paid telephone, water, electricity, gas and other public bills on time. Information on business expenses, as well as court civil judgments, tax arrears and other public information.
Compared with the old version of the new version of the central bank’s personal credit report, on the one hand, the national information system infrastructure has made great progress in the past few years. In many aspects, national networking and interconnection have been achieved, and personal important Information aggregation has become possible; on the other hand, the development of Internet finance and financial technology has made personal information more complete, and the credit dimension has a diversified foundation. At the same time, economic development in the new era has put forward new requirements for personal credit reports. How to reflect personal credit status more effectively, comprehensively and accurately, and how to quickly build a complete and efficient credit society, have become important tasks in the credit reporting industry.
The biggest difference between the new version of the personal credit report and the old version can be summarized as three major changes, namely more detailed, more comprehensive and more accurate.
The first is more refinement. In the new version of the personal credit report, personal information will be more detailed. In addition to the old version of basic personal information, the new version of personal information will be more complete, and spouse information can also be viewed. At the same time, the professional information is also more complete, and the amount of information is equivalent to that of a personal resume. More detailed information will make personal credit situation clearer.
The second is more comprehensive. The new version of the personal credit report has richer dimensions and is more comprehensive. For example, if the repayment record is extended to 5 years, detailed repayment information and overdue information will be recorded; new repayment amounts, overdue or overdraft amounts will also be marked. In addition to financial information such as loans, the new version of the credit report will include a wider range of information, such as telecommunications business, tap water business payment status, tax arrears, civil rulings, enforcement, administrative penalties, subsistence allowance assistance, professional qualifications and administrative rewards.
In this way, the credit report can better reflect the individual's credit situation and enhance the credibility and practical application of the personal credit report. This is also the biggest difference between the new version of the personal credit report and the old version.
The last one is more accurate.
The new version of personal information is more detailed and comprehensive, allowing a more realistic reflection of personal credit status. The credit management of financial institutions will become more targeted, and risk management will be more precise, which can effectively reduce credit risks.