How do you feel the impact of a credit stain on your life?

The impact is that you can't use a credit card and you can't go to the bank to apply for a loan.

It's that when you lose your prestige in life, your relatives and friends don't trust you very much, and you need everyone's help, it's hard to respond to every call.

The most direct thing is that the bank loan can't be borrowed, and the loan can't be used to buy a house or a car, and in serious cases, it will affect the children's education in the future.

For example, if you can't get a loan, your friends won't believe you, and you don't have someone to help you.

When you are poor. Credit is a piece of waste paper! When there is money. It's a piece of waste paper.

The most obvious point may be that one day you find out that no one of your friends wants to lend you money.

Now 28 years old, I want a bank loan to buy a house and a car, but I can't handle it. It even affects employment, and it is difficult to enter some large enterprises, and the other party values character.

In the current era of big data, credit stains really bring too much inconvenience to life, and applying for credit cards, loans, car and house purchases will be blocked, and it is really difficult to move an inch.

If you are lighter, you can't use a credit card, and if you're heavy, you can't do high-speed rail and planes, or even buy a house.

If you get on the credit report, you will be troublesome, you will limit consumption, and you can't take planes and high-speed rail. All high consumption is not allowed, and the account will also be regulated.

A credit stain will give you a very serious impression on your loan, for example, you want to buy a house loan, a car loan, a business loan, all of which can't be passed.

Doing a lot of things will not be smooth, and the first thing is to always consider whether this thing can be done.

If there is a stain on your credit, it will be particularly difficult to borrow money if you want to apply for it.

1. Affect loans: If there is a bad credit record in the current month, you will not be able to handle loan business in any bank in that month, including credit cards; If the overdue record occurs in the past 3-6 months, it is easy to be rejected when applying for some loans with strict approval, such as provident fund loans; If you have become a black account, not only will you not be able to apply for any loans other than mortgage loans, but you may also be liable for high celery penalty interest.

2. Affect travel "Once a bad credit record is generated, the previous overdue repayment will be included in the credit system, the longer the overdue time will be more unfavorable, and in serious cases, it will also affect personal travel, such as not being able to take planes, trains, etc.

3. Affect employment: Many large companies will actually conduct background checks on job seekers before employment, and if they find that job seekers have credit problems and bad credit records, they may reject the entry request; In terms of qualifications, the requirements for relevant positions are more stringent, and the political examination with problems with the general lead letter cannot be passed.

4. Affect the family: In addition to having an impact on oneself, bad credit records also have a certain impact on the family. For example, if one person has a bad credit record between the husband and wife, then the other person wants to take out a loan to buy a house, buy a car, or take the civil service exam, and will also be rejected.

Here are five types of empty behaviors that can also bring credit stains:

1. Hidden dangers caused by sleep cards.

The credit card I just applied for has a low limit and I am too lazy to use it; Help a friend complete the task of applying for a card, but the card is useless; Because a certain line of cards and gifts and cards, the result of the card activity is less, etc., these are all sleep cards. If you don't use the card and the credit card can't be charged, it can also cause a credit stain.

2. Online shopping refunds can be used to offset the arrears.

Many cardholders will choose to pay online with a credit card, if you think that the merchant can refund the money to the credit card bill, it is wrong, some banks stipulate that the refund is only the original transaction reversal, not the actual repayment. In other words, after the refund of this account, it is not really credited to the credit card, but as an overpayment of the credit card, so in this case, you must confirm with the bank.

3. The amount of inter-bank automatic repayment exceeds the limit.

Because many banks have lowered the upper limit of inter-bank automatic repayment of credit cards, there will be a failure to deduct more than 10,000 yuan. Therefore, we must pay attention when repaying inter-bank loans.

Fourth, the harm caused by being a guarantor.

If the debtor is unable to perform the debt, the guarantor shall perform the debt or assume liability as agreed.

5. There are too many inquiries about credit reports.

If there are too many personal credit checks, it will affect the loan amount, because it indicates that the borrower has been borrowing money or applying for credit cards frequently recently.

A credit stain is a bad credit record, which belongs to the limitation period of a person's credit record. Common ones include credit card overdrafts, overdue repayment of personal mortgage loans, and secondly, some behaviors such as failure to pay living expenses on time and guarantees may be included in personal credit reports. According to the report, if I have any tax arrears, civil judgments, compulsory enforcement, administrative penalties or telecommunications arrears, etc., the report may be displayed.

This means that future utility or landline bills, as well as guarantees for third parties who fail to repay their loans on time, will also be included in their bad credit history.

The delinquency is graded every 30 days, and the central bank's credit bureau uses 6 levels to quantify the severity of the overdue, which is then reflected in your personal credit report. For example, overdue 1 30 days, mark 1; 60 days overdue mark2; 90 days overdue mark3; And so on, 180 days overdue, mark 6.

Once these numbers appear in the personal letter, it will not be so smooth when you want to go to the bank to apply for a loan, a home loan, or a car loan. When marked to 3, you will be pulled into the "blacklist" of various financial institutions and want to borrow money? Basically, it will be rejected in seconds.

The impact of bank credit stains on individuals: When using filial piety credit cards, personal credit has been affected due to arrears, resulting in credit stains, which cannot be recovered by canceling the card, which will only make the bank identify it in the future"Malicious overdrafts"This negative record will remain for a long time.

1. Impact on loans: In housing and car purchase mortgage loans, if there is a late repayment, the number of times will be cumulatively calculated, and this record will not be eliminated until the loan is repaid.

2. Impact on credit card processing: affect the approval of credit card processing or lead to a decrease in the limit.

3. Other areas (to be involved): shopping, taking a car, taking a plane, paying fees, etc.

A good credit record has become a necessary condition for smooth processing of loans and credit cards, and the "stain" in the credit record is likely to affect the normal handling of business.

Affects mortgage and personal credit card applications, and the validity period is 5 years.

In the early days of China's credit system, many people did not pay enough attention to personal credit, so credit cards or loans were overdue. Since banks and workplaces use these credit histories, the long-term retention of negative information has a serious impact on the lives and work of these people. If there is negative information on a personal credit report, residents are likely to be affected when applying for credit cards and mortgages.

In 2012, a new version of the credit report of the central bank's personal credit reporting system was put into operation, and the "validity period" of overdue records was officially set at five years.

The People's Bank of China will delete the bad credit record after 5 years. It is difficult to apply for credit cards and bank loans until the bad records are deleted.

In general, credit card holders such as:

Personal credit stains no longer follow for a lifetime.

If there are 3 consecutive overdue repayments or 6 cumulative overdue repayments, the bank will not agree to grant the loan.