[Learn and implement the spirit of the 14th Provincial Party Congress] Yumen People's Court: Credit Record Care Day Credit Day Credit Credit knowledge popularization knowledge

Credit is an invisible wealth and the second "ID card" of citizens. We need to pay attention and love. June 14th is the Credit Record Caring Day. Let's learn about credit reporting together.

1. What is credit?

Generally speaking, credit reporting is a credit behavior report. Credit information covers the basic information, credit information and other information reported by financial institutions and other information that reflects credit.

On January 19, 2020, the People's Bank of China upgraded the credit reporting system. The latest second -generation personal credit reports have the following important changes:

(1) Increase common loan information. For example, the mortgage record will be displayed at the same time in the credit report of both husband and wife (or other common borrowers) at the same time;

(2) Increase the personal guarantee information of the enterprise or other joint liability information, and more comprehensively display the individual or the liability status;

(3) Increase employment status, nationality, e -mail, unit nature, etc. in personal basic information. Mobile phone numbers, residential information, and unit information are adjusted to maximum display 5 pieces;

(4) Increase circulating loan display methods to display circular loans, similar to the display method of credit cards;

(5) Show the repayment status and overdue amount of the last five years by month.

2. What are the benefits of good credit records?

(1) Quick and convenient when applying for banking business

Improve the efficiency. When applying for a loan or credit card from the bank, the approval time is shorter and the procedures are simpler. Enjoy loan discount. The loan interest rate is lower, the loan period is longer, and the loan amount is greater. Get credit loan. If the personal credit status is very good and other conditions meet the requirements, it is possible to obtain a credit loan that does not need to be mortgaged.

(2) Accumulate personal good social reputation

At present, credit awareness has penetrated into all aspects of social life. When the company's job search, career promotion, and even dating and dating, there will be more opportunities for individuals who have good credit records.

3. What are the dangers of bad credit records?

If the credit record is poor, it will not only enjoy the above convenience and benefits, but also bring a lot of harm.

(1) It is difficult for individuals to get bank loans or credit cards

If individuals have bad credit records and are more serious, the bank will refuse to apply when applying for a loan or credit card from the bank.

(2) List of people who have been included in the dishonesty

If a long -term malicious owe loan or overdrawn is not repaid, it will be sued by the bank to the court and is included in the list of people who have been dishonesty, which will be jointly punished by multiple government departments. Personal travel will encounter various obstacles, and high consumption will also be restricted. If you cannot take a plane, high -speed rail, you cannot stay in star hotels.

4. How to maintain a good credit record?

(1) Time to repay, do not arrears;

(2) Reasonable consumption and quantify;

(3) Do not borrow it outside.

5. Other precautions

(1) Care about your credit records. If there is any error in the credit report, you can change contact with the bank in time, or go to the People's Bank of China to apply for an objection application.

(2) Avoid excessive query records. Individuals can query the detailed version of the credit report twice a year. The short -term self -inspection report (if the query of more than 5 times) will be considered by the bank to be considered a higher risk of breach of contract.

(3) Provide accurate information to the bank. Leave an accurate mobile phone number in the bank and update it in time in order to receive non -performing information submission notifications, bills or reminders repay notifications. When the basic information of the individual changes, please and actively notify the bank to update in time.

(4) Overdue records cannot be "washed". "Washing" advertisements is a scam. Don't be fooled.

Yumen City People's Court announced

Editor in charge: Tian Xue

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