The second point: Because the credit report only keeps the records of the last five years, after the credit stain appears, the previous negative records can be covered with the good credit records of five years. After that, unless you have a major criminal record, your loan is basically unaffected.
1 and 12 become black accounts of banks: credit cards with three consecutive overdue payments may become black accounts of banks. If the monthly mortgage repayment is overdue for 2 to 3 months or not, it may become a bank black account. The monthly car loan is overdue for 2 to 3 months or fails to be repaid, which may become a bank black account. The loan interest rate has increased, and it is still paid at the original amount every month. The overdue interest may become a black account of the bank. Failure to pay the water, electricity and gas charges on time may lead to black accounts of banks. Personal credit card cashing may become a bank black account. Students' default on loans and non-repayment may become the bank's black accounts. If the "sleep credit card" is not activated, it will still generate an annual fee and a negative credit record. Credit card overdraft consumption and mortgage failure to repay on time may both become bank black accounts. When providing a guarantee for a third party, if the third party fails to repay the loan on time, it may become a black account of the bank. The mobile phone number is deactivated, and the relevant formalities are not handled. Due to the overdue monthly fee, it will also cause bad records, which may become a black account of the bank. Credit card arrears records caused by others fraudulently using ID cards or copies of ID cards may become bank black accounts.
2. Precautions for using bank cards, etc. Bank cards, especially credit cards, must pay attention to the repayment date during use, and don't be overdue. Overdue repayment will cause your bad record, and continuous overdue will cause black accounts. When using a credit card, you must combine your financial ability. Being unhappy when swiping a card, exceeding the repayment ability, leading to overdue repayment and other behaviors. The main reasons for becoming a credit card black account are malicious cashing, serious overdue and non-payment of annual fees. In terms of overdue payment, the bank makes judgment according to the principle of three consecutive times, that is, the behavior of overdue payment for three consecutive months \ the behavior of accumulated six overdue payments.
3, become a credit card black account. At the same time, the credit information of cardholders deteriorates, which will make it very difficult to apply for loans, which will also have an impact on job hunting, tourism and even children's education. If you want the credit report to return to normal, you need to wait for the overdue repayment to be settled for five years, and the bad records in the credit report will be automatically eliminated. In short, when using a credit card, you must use it according to the regulations and do what you can.
4. The main influence of illegal households is that they cannot apply for loans from banks, microfinance companies and other financial institutions, including mortgage loans and auto loans. No bank credit card. Affect personal travel, such as flying and staying in star-rated hotels.
5. Bad credit black account refers to a personal account with bad credit, which has been blacklisted by the bank for overdue repayment for many times in the bank credit information system. The following are common possibilities: repeated overdue repayment will lead to black bank accounts, such as handling loans or using bank credit cards, and there have been many overdue repayments. It was overdue, but the overdue time was too long. Under normal circumstances, once overdue for more than 90 days, it will be listed as a black account by the bank, which will affect the subsequent loan business. Late payment involves a large sum of money. In this case, if the borrower fails to repay the loan in time, it will easily become a "black household".