Usually, lending institutions will check the applicant's credit information before lending. If there is a serious overdue behavior, such as three consecutive months and six times overdue, it will make the credit information black. This kind of situation is usually rejected every second.

2. The debt ratio is too high

Some people have multiple credit cards, and each card is full, which is also a bad card use behavior. Because it will lead to high personal debt ratio and increased repayment risk. For loan products that need to repay more, such as mortgage, the risk is great.

What behaviors affect personal credit reporting

1. Overdue payment of credit cards

Credit cards are widely used in our lives, but we should pay attention to the fact that overdue payment of credit cards affects personal credit reporting, which is common in our daily life. Using credit cards for consumption has become a living habit of everyone, but if credit cards are overdue for many times or the amount of overdue repayment is large, or personal loans and student loans applied for during college are not paid off in time, it will affect.

2. Guarantee for others

Don't think that only your own loans overdue will make your credit report have a bad record. In fact, if you are a guarantor for someone else's loan, it may appear in your report if the borrower fails to repay the loan on time. Therefore, in addition to urging the parties to pay off the money as soon as possible, what you can do is to do preventive work in the future. The loan guarantor has a great responsibility, so be careful before signing.

3. Arrears of bank loans

If a borrower has successfully borrowed from a bank, if he fails to repay in full and on time according to the contract, it will leave a credit stain, and it will be difficult to apply for a house loan again.

4. Excessive debt

When banks approve loans, they will also check the borrower's debt. If the personal debt ratio is high and reaches more than 7% of personal income, banks will question their repayment ability, and loans will be difficult to handle.

what's the impact of poor personal credit information

1. It affects other loans

Personal credit information is an issue that banks attach great importance to, and people with credit information problems cannot apply for loans in banks, microfinance companies and other financial institutions. Not only do you want to start a business with a loan, but your capital turnover has become futile. Even applying for a mortgage or car loan will be rejected.

2. Work is affected

More and more companies have begun to introduce third-party credit evaluation system in recruitment. Many employers gradually bring credit evaluation into the scope of recruitment conditions when recruiting blue-collar employees. People who are blacklisted for credit information cannot join the party, take the civil service examination, engage in specific industries or projects, obtain government support or subsidies, and have no qualifications for specific positions.

3. Travel is blocked

If the buyer is blacklisted, the vehicle travel will also be restricted, and the entrance and exit of the expressway toll station will be temporarily detained. Can't buy a plane ticket; You can't buy a soft berth for trains and a second-class cabin for ships; Can't sit in the first class seat of high-speed rail and bullet train; I can't buy a private car instead of walking, and water, land and air, and high-speed travel are all blocked.