What will happen if personal credit information is blacklisted?

The following high-consumption and unnecessary consumption behaviors will be restricted:

1. When taking transportation, choose the cabin above the second class of the plane, train soft berth and ship;

2. High consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

3, the purchase of real estate or new construction, expansion, high-grade decoration housing;

4. Rent high-grade office buildings, hotels, apartments and other places to work;

5. Purchase non-operating vehicles;

6. Travel and vacation;

7. Children attend private schools with high fees;

8. Pay high premiums to buy insurance wealth management products;

9. All seats on the G-prefix EMU train and first-class and above seats on other EMU trains.

10, unable to apply for loans in banks, microfinance companies and other financial institutions. Not only do you want to start a business with a loan, but the capital turnover has also become futile. Even applying for a mortgage or car loan will be rejected. In modern society, owning a car and a house has become a standard of living. Imagine if you have a stable job and have the ability to repay, but you can't get a mortgage or car loan from the bank because of your poor personal credit record.

1 1. No more credit cards. If personal credit has a bad record, it is impossible to apply for another credit card for personal daily consumption. All banks are the same, because all banks can check your credit history.

12, affecting personal travel. If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will make it impossible for borrowers to fly and stay in star-rated hotels.

At present, many people have loan needs, and entering the blacklist of credit information will affect their loans. Whether in banks or online lending platforms, borrowers will check the borrower's credit information when lending, and blacklisted loans will basically not pass.

Travel will be affected, and there will be restrictions on flying on the blacklist. First-class seats for high-speed rail tickets cannot be purchased, and many five-star hotels will also refuse users who are blacklisted for credit information.

Credit card can establish a good credit record for users, but users must ensure that their card use behavior is good and they can repay in full and on time, otherwise bad credit will still be formed.

To sum up, the consequences of being blacklisted are very serious. Bad records are kept for five years, and then users may be removed from the blacklist, which cannot be eliminated artificially.