What behaviors will leave a bad credit record?
(1) The credit card fails to repay on time and fails to repay according to the minimum amount, resulting in overdue payment of handling fees and interest;
(2) After loans overdue, the overdue interest is not repaid in time, but the principal is also paid, and the credit information system will also show that the overdue is not settled;
(3) The loan account is the same as the credit card account, because the credit card consumes first and then repays, and a bad credit record is generated due to insufficient repayment balance;
(4) The number of times and amount of consumption of the credit card within one year are specified. If not, they will be charged an annual fee. If the repayment is not made in time, the late payment fee will cause a bad credit record;
(5) Guarantee for others, the guarantor fails to repay the loan in time after the loan expires, and the guarantor fails to fulfill the repayment obligation, resulting in overdue guarantee information and bad credit record;
How to avoid bad credit records;
(1) Check personal credit report regularly.
Check personal credit records regularly to know your own credit records in time. If any abnormality is found, you can appeal to the lending institution in time. Generally speaking, as long as it is not a malicious breach of contract, lending institutions will eliminate bad records;
(2) Cancellation of idle credit cards
Some people don't activate their credit cards, thinking that they don't charge annual fees, which leads to overdue records. They can cancel unused credit cards to avoid forgetting to pay annual fees and generating bad credit records.
(3) Repaying loans and credit cards on time.
Be sure to repay the loan and credit card on time. If the overdue financial network is caused, how can Ping An Bank repay the mortgage in advance? These steps are indispensable! ,