As the economic identity card of the financial industry, credit investigation occupies a very important position, so everyone should safeguard personal credit. In real life, some casual operations may lead to bad credit information, which will affect the loan to buy a house, a car and a credit card. Let's take a brief inventory today.

1, currently overdue.

If it is overdue, it means that you may be subjectively unwilling to repay, or temporarily unable to repay. In either case, it will lead to poor credit reporting. Bank financial institutions will directly reject your credit application, and suggest that you pay off your debts before handling related business.

2. It is overdue for 3 consecutive times or accumulated for 6 times within two years.

Generally speaking, for small and medium-sized credit loans, the bank audit mainly refers to the personal credit situation in the past two years. If the repayment is overdue for three consecutive times, or accumulated for six times in two years, you will not get the loan, which is equivalent to a "black account" of the bank.

3. sleep card caused credit damage.

At present, many people apply for credit cards, and the basic staff have several different co-branded credit cards. If you apply for a credit card but never use it, you may incur an annual fee. If you forget to repay, it will lead to overdue and directly affect your personal credit record.

4. The debt ratio is too high.

Whether you apply for loans frequently or overdraw your credit card, when the debt exceeds your monthly income, it will lead to serious financial problems. Some cardholders will overspend and finally be unable to repay, which will lead to overdue, thus affecting their credit records.

To sum up, the credit record is a complicated voucher, and the bank will review the credit according to the business you apply for, so you should pay attention to maintaining the credit record at ordinary times.