Mobile phone payment arrears will affect your creditworthiness.

The central bank's online personal credit report inquiry service will be launched nationwide, and the personal credit information summary includes telecommunications arrears records.

If the mobile phone number is in arrears, it is recommended to pay it off in time. If the number is in arrears and the account is closed, you must also go to the business office where you are located to pay off the arrears and then go through the official account cancellation process to avoid affecting your reputation. If your mobile phone has unpaid bills, it will also affect your future use of the operator's products.

Warm reminder: When using the number, you should always check the phone bill status. If the number is not used for a long time, you can handle the shutdown service. If you do not want to use the number, you should go through the account cancellation procedures in time. At present, the communications industry, water, electricity and gas, these businesses are not included in the "People's Bank of China" credit review projects. Therefore, being in arrears with your mobile phone card will have no impact on your personal credit report at all.

The content of personal credit report is only: credit cards and loans.

The debit card has outstanding annual fees, account management fees, and SMS notification fees, which will not affect your credit report or apply for credit cards and loans.

However, it is recommended that the mobile phone number used to bind bank cards and handle various banking services (including credit cards and loans) should be the same number. Because if the mobile phone number changes frequently, although the credit report will not see the record of the mobile phone number change, the bank will find that the mobile phone number changes frequently during the loan approval process. The bank will be worried about issuing a loan and change the mobile phone number again, and finally change the mobile phone number deliberately. Not paying back the loan. In order to control risks, banks will refuse to approve loans.

At present, the personal bad records of the three major operators have not been included in the personal credit management department.

However, if the user maliciously defaults on the operator's phone bill, or seriously breaches the contract, the operator will be included in its own list of dishonest users.

After being included, it will affect the user's ability to use the operator again, communication, business processing, etc.