Can I go abroad if my credit report is overdue for a long time?

If the credit investigation is overdue for a long time, it will be listed as a judgment defaulter, and in this case, it will not be able to go abroad.

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How often is personal credit information updated?

Currently, the credit system.

The information is mainly commercial banks and other financial institutions, and the information included includes the basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and the main financial indicators of enterprises.

If the business-related institutions have reported data, they will be updated within 1 to 2 months after the data is reported, and the personal credit report will be viewed.

The records you see are generally 1 to 2 months ago, for example, if you query in August, you may see the records of the month.

What credit card overdue records can be expunged?

It will be eliminated automatically.

Under what circumstances can overdue records be expunged?

Non-malicious arrears:

Like annual fees, late fees.

Forgot to pay the service fee, etc., due to unemployment, serious illness.

Going abroad, etc., resulting in overdue; There are also those who return the money to other credit cards, causing them to be overdue.

Tips: The most important thing in this case is to repay the overdue first, and then negotiate with the bank to complain that the arrears are not malicious arrears, and ask the bank to coordinate to eliminate the bad overdue records.

Bank negligence: Some overdues are caused by bank negligence, such as failing to inform the cardholder of the adjustment of the credit card annual fee, overdue due to system upgrade and failure to deduct the payment at a certain point in time, or failure to receive the bill, etc., which can also be eliminated.

Tips: If it is the fault of the bank, the customer can directly appeal to the bank to eliminate the bad record.

Small arrears are not paid:

Most people may pay the money in whole amounts, but be aware that there may be fractions of the repayments due, and if these fractions are not repaid, they may also cause them to be overdue.

Tips: Most banks will have tolerance, that is, if you have not repaid less than 10 yuan (different banks have different regulations), the bank will not count it as overdue, if it is recorded badly, you can negotiate with the bank to ask for elimination.

Information Theft:

Nowadays, there are many incidents of information being stolen and fraudulently used to apply for loans or credit cards, but the odious thing is that these thieves maliciously do not pay it back, causing the information stolen to be overdue.

tips: This situation should be overdue caused by the bank's lax review, and you can go to the local People's Bank of China.

If you file an objection application, you can generally receive a reply within 15 working days, and the defective overdue will be eliminated immediately.

If the credit investigation only has a long-term overdue record, and has not been prosecuted, and is listed as a dishonest person subject to execution, under normal circumstances, you can still go abroad, but you cannot apply for various bank loans in the later stage.

As long as you don't get prosecuted, it doesn't matter.

Credit problems will only affect the financial aspects, such as loans to buy houses and cars, provident fund loans, etc., in short, if you can't get a loan, no one will lend to you.

The judgment defaulter refers to the dishonest person who has been sued, which is enforced by law, which is commonly known as the old lai. Lao Lai is restricted from leaving the country and high consumption, so Lao Lai can't go abroad.

In short, whether you can go abroad legally depends on whether you have been prosecuted or not.

Of course, there are thousands of roads, and you can also find other ways to achieve the purpose of going abroad.

If the personal credit report has a long-term loan that has not been repaid, and the overdue time is particularly long, it will generally affect the going abroad, especially if the amount is large.

Hello, you can go abroad if the credit is overdue for a long time, and the general credit will only have an impact on the future loan, if you continue to be overdue, no bank will lend you money in the future.

There is a long period of credit investigation, and there may be restrictions on going abroad after the expiration date, in which case it is recommended that you contact the corresponding airline for consultation.

Conclusion: No, only if you don't become a judgment defaulter, you can.

Analysis: 1. The judgment defaulter cannot go abroad to work, and only if he does not become a judgment defaulter. "Judgment defaulters" refers to judgment debtors who have the ability to perform but do not perform the obligations set forth in effective legal documents. Commonly known as "Lao Lai".

2. All levels of people's court will notify relevant departments, financial regulators, financial institutions, public institutions and industry associations with administrative functions of the Judgment Defaulters List information, and will notify the credit reporting establishments of the Judgment Defaulters List information, and the credit reporting establishments will record it in their credit reporting systems.

3. Information on the Judgment Defaulters List shall be entered into the Supreme People's Court's Judgment Defaulters List Database, and uniformly released to the public through the Judgment Defaulters Database. China will carry out joint disciplinary action against those responsible for untrustworthy conduct that seriously endangers normal order.

Judgment defaulters cannot go abroad to work, and only if they do not become judgment defaulters. "Judgment defaulters" refers to judgment debtors who have the ability to perform but do not perform the obligations set forth in effective legal documents. Commonly known as "Lao Lai".

All levels of people's court will notify relevant departments, financial regulators, financial institutions, public institutions and industry associations with administrative functions of the list of judgment defaulters, and so forth, for the relevant units to follow laws, regulations, and relevant provisions to give credit punishments to judgment defaulters in areas such as procurement, bidding and bidding, support, administrative approvals, market access, financing and credit, and qualification determinations; Information on the Judgment Defaulters List will be reported to the credit reporting establishments, and the credit reporting establishments will record it in their credit reporting systems. Information on the Judgment Defaulters List shall be entered into the Supreme People's Court's Judgment Defaulters Database and uniformly released to the public through the Judgment Defaulters Database. China will carry out joint disciplinary action against those responsible for untrustworthy conduct that seriously endangers normal order.

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It may affect the need to work abroad, and there is no problem with the visa, because the visa is issued by a foreign embassy or consulate. However, passports are issued by domestic public security organs and can be cancelled by the background, and this problem will occur once they are blacklisted.

Consequences for causing serious overdues:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages:

In the first stage, just a few days after the deadline, the platform customer service mm whispered and warmly reminded you that it was overdue, please repay on time;

In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue;

In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

3. The People's Bank of China's credit investigation is stained.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

The personal credit report shows that there is a 20-month overdue non-repayment, and it is normal to go abroad. It is expected that the impact on you will be relatively large in the future.

Hello, you have overdue credit information, as long as you have paid off the overdue amount, and have not been listed as dishonest, executed and subject to high limit, you can go abroad to work, but after the overdue, you will not be able to apply for any loan from the bank in the near future.

Legal analysis: No, it will be restricted from leaving the country. If the credit card is overdue for three months or still does not repay after two reminders from the bank, the bank will sue the party.

First of all, after the bank has made several reminders, and the party still does not repay, the bank will file a civil lawsuit with the court. After the trial by the people's court, if the party still does not repay the loan, the case may be transferred to the public security organ for investigation and formally established as a criminal case. After investigation by the public security organs, the case was sent to the procuratorate to file a public prosecution with the court, accusing the party of having committed the crime of credit card fraud.

Legal basis: "Criminal Law of the People's Republic of China" Article 196: In any of the following circumstances, where credit card fraud is carried out, and the amount is relatively large, a sentence of up to five years imprisonment or short-term detention is to be given, and a concurrent fine of between 20,000 and 200,000 RMB is to be given; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulently using another person's credit card; (4) Malicious overdraft.

"Malicious overdraft" as used in the preceding paragraph refers to the conduct of a cardholder who overdraws beyond the prescribed limit or within the prescribed time limit for the purpose of illegal possession, and does not return it after being collected by the card-issuing bank. Those who steal credit cards and use them are to be convicted and punished in accordance with the provisions of article 264 of this Law.

This issue can be divided into the following scenarios:

1. If the bank does not file a lawsuit and the court does not issue an exit restriction order, you can still go abroad;

2. If the bank sues, the court issues an exit restriction order, and you are not allowed to leave the country.

Legal basis: The Passport Law of the People's Republic of China stipulates that the passport issuing authority shall not issue a passport to the applicant under any of the following circumstances:

1) Do not have the nationality of the People's Republic of China;

2) Unable to prove identity;

3) Falsification in the application process;

4) Those who have been sentenced to a criminal sentence and are currently serving a sentence;

5) The people's court notifies that there is an unresolved civil case that cannot be left the country.

If they are not included in the blacklist of dishonest persons, it will not affect travel. If you are on the blacklist, you will not be able to travel. The longer your credit card is overdue, the more serious it becomes, and you have to find a way to pay it off as soon as possible, regardless of whether you are blacklisted or not.

This issue can be divided into the following scenarios:

1. If the bank does not file a lawsuit and the court does not issue an exit restriction order, you can still go abroad;

2. If the bank sues, the court issues an exit restriction order, and you are not allowed to leave the country.

Legal basis: The Passport Law of the People's Republic of China stipulates that the passport issuing authority shall not issue a passport to the applicant under any of the following circumstances:

1) Do not have the nationality of the People's Republic of China;

2) Unable to prove identity;

3) Falsification in the application process;

4) Those who have been sentenced to a criminal sentence and are currently serving a sentence;

5) The people's court notifies that there is an unresolved civil case that cannot be left the country.