Six consequences of the credit blacklist in the credit era!
Recently, a small workplace incident has been spreading in the HR circle in Shenzhen… A young female white-collar worker in Shenzhen took a taxi and said that she would use her mobile phone to pay after getting out of the car. As a result, her brother waited and waited, and the woman kept owed 36 yuan for the fare and did not answer the phone. . My brother finds its unit. After the HR reception, the female white-collar workers were asked to pay the fare and fired. Being on the blacklist for honesty shows that honesty in the workplace is no trivial matter, and you can’t lack credit if you don’t have money. The boom in consumer finance and the advent of the mobile Internet era have brought the era of personal credit investigation to China. The word “credit investigation” first appeared in the pre-Qin period: “The words of a gentleman, believing in the words of a man, and therefore his grievances are far beyond his own body.” Meaning: If you want to stay away from right and wrong, you must be as credible as a gentleman and pass the verification.
Once on the credit blacklist, not only will you not be able to buy a house or a car, you will not be able to take the most common planes and high-speed trains. The credit is stained, it is equivalent to stamping a chapter for you! The unbeliever must be unable to move!
1: Water, land, and air prevent sloppy travel
You can’t buy plane tickets, soft sleepers on trains, second-class cabins on ships, high-speed trains, first-class seats on high-speed trains, or private cars.
2: Do not serve as boss, director, supervisor, senior executive
If your credit report is tainted, I’m sorry, it means that you have no chance to be a boss, director, supervisor, or executive.
3: Seal up and freeze Alipay accounts
Online booking of travel housing, insurance, renting a house, blind dates, etc. will all be restricted.
4: Freezing and deducting property online
Without leaving home, the execution judge can search, freeze and deduct the financial property of the person subject to execution in more than 4,000 banking financial institutions across the country with a click of a mouse.
5: The list is synchronized with Sesame Credit, and online shopping is limited
In scenarios such as consumer finance, microloans, credit cards, P2P, hotels, renting a house, and car rentals, the Internet and other channels are used to comprehensively restrict dishonest persons.
6: Prohibit high consumption
You cannot spend arbitrarily in hotels, hotels, nightclubs, golf courses, and other places with a star rating or above; you cannot take out loans to buy a house, and it is even more difficult to apply for credit cards and loans.
So, what behaviors will affect an individual’s credit taint?
1. Three consecutive and six overdue repayments a year (credit card).
2. The monthly payment of the house/car loan is overdue or non-repayment for 2-3 months accumulatively.
3. After the loan interest rate is increased, the monthly payment does not pay the increased interest, resulting in overdue interest.
4. Unpaid student loans.
5. If the credit card is not activated, the annual fee will not be paid.
6. Overdraft consumer credit cards, mortgage loans are not repaid on time.
7. Provide a guarantee for a third party, but the third party fails to repay the loan on time.
8. Economic disputes such as debts will affect the credit record.
9. Being fraudulently used ID card to generate credit card arrears records.
Any of the above will leave a stain on your credit. Usually, you must pay attention to avoid smudges on the credit report as much as possible.
How to check personal credit history?
If you are worried about your credit history and want to check, you can go through the following two ways.
1. Go to the local People’s Bank of China Credit Information Center to check
I bring my ID card to the local People’s Bank of China credit center for inquiries. Generally, many local credit centers have self-service inquiry machines, which can be inquired by swiping my ID card. Of course, you can also go to the counter and ask the staff to help you print a detailed credit history about yourself. If you find it troublesome and don’t want to go to the bank, you can also check online.
2. Online inquiry
After the application is completed, the credit report will not be displayed immediately. There is a waiting process, usually about 1 day. After the report is generated, an identity verification code will be sent via SMS. After receiving the text message, log in again within 7 days. Of course, the online credit inquiry can only inquire about the simplified version of the credit report, and cannot inquire about the detailed credit report.
Finally, the author hereby reminds us that the word integrity must be remembered and abided by, and you must not regret it for the rest of your life! In addition, personal information is very important. It is recommended not to help friends as a guarantee. Helping others to guarantee will bring you jointly and several liabilities. Once the lender fails to repay on time, it will not only affect your credit score but also be required by the bank to repay.