What impact does the bad record of personal credit information system have on life?

1, online loan blacklist, no more loans.

2. Obstacles to bank loans. When the bank examines the credit of the lender, if it finds that it has a bad credit record and wants to borrow 600,000 yuan, the bank may only approve 200,000 yuan, or even refuse to apply;

3. Loan interest rate obstacle If there is a bad credit record, the lending platform will no longer give it the preferential interest rate it should enjoy, or even raise the loan interest rate, which will greatly affect the cost of the loan.

Extended data:

Influencing behavior:

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Personal credit card cashing.

On the Influence of "Personal Credit Information" on Personal Life