Does having a DUI record have any impact on credit

Cherish life and stay away from drunk driving.

It will be included in personal credit records, become a credit stain, and restrict loans, insurance and other services.

In 2013, more and more cities began to explore ways to include serious traffic violations such as drunk driving and drunk driving in their personal credit records to strengthen the deterrent effect of law enforcement. This measure is in line with the general direction of deepening the reform of road traffic safety management, which can greatly increase the cost of drunk driving violations, play a role in allocating thousands of pounds, and let "drunk driving into the letter" provide another insurance for public safety.

In addition, the "drunk driving letter" also puts forward higher and stricter requirements for the public security traffic management department to crack down on drunk driving and drunk driving in accordance with the law. In terms of law enforcement process and evidence collection, the front-line traffic police law enforcement department must not make any omissions. In addition, we should also resolutely put an end to black-box operations, so that alcohol test results and other relevant data can stand up to inspection, and truly reflect fairness, justice and openness.

At the same time, while establishing credit punishment mechanisms for drunk driving and drunk driving, the statute of limitations and revocation mechanisms for the retention of relevant negative credit records should be reasonably stipulated.

Judging from the current laws and regulations, having a drunk driving record has no direct impact on an individual's creditworthiness.

Personal credit refers to the degree of trustworthiness reflected in social credit, economic status, and performance of commodity transactions. In real life, banks and card issuers conduct credit assessment of card issuers, the purpose of which is to provide a basis for determining customer relationships and make decisions through the investigation of cardholders' social behavior, economic strength, and compliance with contracts. If your credit card is overdue, it will affect your loan or the use and processing of your credit card in the future.

However, drunk driving is an act that seriously endangers public safety. The traffic police department is actively exploring the establishment of electronic archives of civilized traffic credit for citizens and units, linking information on traffic violations and traffic liability accidents with enterprise and personal credit, and gradually promoting the practice of linking civilized traffic credit records with professional access, personal credit, vehicle insurance, and awards, and implementing corresponding punishments for untrustworthy traffic actors.

Legal analysis: From the perspective of current laws and regulations, having a drunk driving record does not have a direct impact on an individual's credit, and drunk driving will only cause penalties such as fines and driver's license revocation. Personal credit refers to the degree of trustworthiness of trading compliance reflected in terms of social reputation, economic status, and performance of commodity transactions, and has nothing to do with the penalty record for drunk driving.

Legal basis: "Traffic Safety Law of the People's Republic of China" Article 91 Anyone who drives a motor vehicle after drinking alcohol shall have his motor vehicle driver's license suspended for six months and shall be fined not less than 1,000 yuan but not more than 2,000 yuan. Those who are punished for driving a motor vehicle after drinking alcohol and drive a motor vehicle after drinking alcohol again are to be detained for up to 10 days, fined between 1,000 and 2,000 RMB, and have their motor vehicle driver's license revoked.

Those who drive a motor vehicle while intoxicated shall be restrained by the traffic management department of the public security organ until they sober up, revoke the motor vehicle driver's license, and pursue criminal responsibility in accordance with law; A motor vehicle driver's license may not be re-obtained within five years. Those who drive a motor vehicle after drinking alcohol shall be detained for 15 days, fined 5,000 yuan, have their motor vehicle driver's license revoked, and must not re-obtain a motor vehicle driver's license for five years. Anyone who drives a motor vehicle while intoxicated shall be restrained by the traffic management department of the public security organ until he sobers up, and the driver's license of the motor vehicle shall be revoked, and criminal responsibility shall be investigated in accordance with law; A motor vehicle driver's license shall not be re-obtained within ten years, and after the motor vehicle driver's license is re-obtained, a motor vehicle shall not be driven.

If a major traffic accident occurs after drinking alcohol or driving a motor vehicle while intoxicated, and a crime is constituted, criminal responsibility shall be investigated in accordance with law, and the motor vehicle driver's license shall be revoked by the traffic management department of the public security organ, and the motor vehicle driver's license shall not be re-obtained for life.

Judging from the current laws and regulations, there is no direct impact on the credit of drunk drivers. Personal credit refers to the degree of trustworthiness reflected in terms of social reputation, economic status, and performance of commodity transactions, rather than illegal acts such as drunk driving.

[Legal basis].Article 91 of the Road Traffic Safety Law.

Anyone who drives a motor vehicle after drinking alcohol shall be given a temporary and indiscriminate detention of the motor vehicle driver's license for six months and a fine of not less than 1,000 yuan but not more than 2,000 yuan. Those who are punished for driving a motor vehicle after drinking alcohol and drive a motor vehicle after drinking alcohol again are to be detained for up to 10 days, fined between 1,000 and 2,000 RMB, and have their motor vehicle driver's license revoked.

If a person drives a motor vehicle while intoxicated, the traffic management department of the public security organ shall restrain him until he sobers up, revoke the driver's license of the motor vehicle, and pursue criminal responsibility in accordance with law; A motor vehicle driver's license may not be re-obtained within five years.

Judging from the current laws and regulations, a drunk driving record has no direct impact on an individual's credit. Personal credit refers to the degree of trust in the performance of commodity transactions in terms of social credit, economic status, and commodity transaction performance. In real life, banks and card issuers conduct credit evaluation of card issuers, the purpose of which is to examine the cardholder's social behavior, economic strength, and compliance with the contract, so as to provide a basis for determining the customer relationship and make a decision.

If the credit report credit card is overdue, it will affect the use and processing of my loan or future credit card.

Article 91 of the Road Traffic Safety Law.

Anyone who drives a motor vehicle after drinking alcohol shall have his motor vehicle driver's license suspended for six months and shall be fined not less than 1,000 yuan but not more than 2,000 yuan. Those who are punished for driving a motor vehicle after drinking alcohol and drive a motor vehicle after drinking alcohol again are to be detained for up to 10 days, fined between 1,000 and 2,000 RMB, and have their motor vehicle driver's license revoked.

If a person drives a motor vehicle while intoxicated, the traffic management department of the public security organ shall restrain him until he sobers up, revoke the motor vehicle driver's license, and pursue criminal responsibility in accordance with law; Within five years, it is not allowed to remodel and guess the new motor vehicle driver's license.

Legal Analysis: Drunk driving will affect loan approval, but not all provinces and cities have this regulation. In order to punish drunk driving, the traffic patrol police corps in many provinces have cooperated with financial regulatory authorities to restrict the personal credit of "drunk driving" and "drunk driving", downgrade credit ratings, and restrict consumption or housing loans.

At the same time, it is planned to include the records of drunk driving traffic violations and traffic accidents caused by drunk driving into the floating mechanism of compulsory motor vehicle insurance rates.

[Legal basis].

Criminal Law of the People's Republic of China Article 133 Whoever drives a motor vehicle on the road and has any of the following circumstances, shall be sentenced to short-term detention and a concurrent fine:

1) Chasing and racing, where the circumstances are heinous;

2) Driving a motor vehicle while intoxicated;

C) engaged in school bus business or passenger transport, seriously exceeding the rated occupant capacity, or seriously exceeding the speed limit;

4) Transporting hazardous chemicals in violation of the regulations on the safety management of hazardous chemicals, endangering public safety.

Where the owner or manager of a motor vehicle bears direct responsibility for the acts in items (3) or (4) of the preceding paragraph, punishment is to be given in accordance with the provisions of the preceding paragraph.

Where conduct in the preceding two paragraphs simultaneously constitutes other crimes, follow the provisions for the heavier punishment at trial and sentencing.

Threshold and test of blood and breath alcohol sensitivity content of vehicle drivers》 Alcohol content threshold.

The threshold of blood alcohol content of vehicle drivers who have drunk alcohol or drive while intoxicated is shown in Table 1.

Table 1 Threshold of blood alcohol content of vehicle drivers.

Driving behavior category thresholds.

Driving behavior category threshold (mg 100ml).

Driving after drinking alcohol is 20,<80

Drunk driving 80

Judging from the current laws and regulations, drunk driving has no direct impact on an individual's letter and Zheng matching. Personal credit refers to the degree of trustworthiness reflected in social reputation, economic status, and prudent and disorderly performance of commodity transactions, rather than illegal acts such as drunk driving.

[Legal basis].Article 91 of the Road Traffic Safety Law.

Anyone who drives a motor vehicle after drinking alcohol shall have his motor vehicle driver's license suspended for six months and shall be fined not less than 1,000 yuan but not more than 2,000 yuan. Those who are punished for driving a motor vehicle after drinking alcohol and drive a motor vehicle after drinking alcohol again are to be detained for up to 10 days, fined between 1,000 and 2,000 RMB, and have their motor vehicle driving license revoked.

If a person drives a motor vehicle while intoxicated, the traffic management department of the public security organ shall restrain him until he sobers up, revoke the motor vehicle driver's license, and pursue criminal responsibility in accordance with law; A motor vehicle driver's license may not be re-obtained within five years.