What are the restrictions after personal credit information is blacked out?

What are the restrictions after personal credit information is blacked out?

Personal credit information is blacked out, that is, individuals have bad credit behaviors, and the following behaviors will be restricted:

1. It is impossible to handle credit cards (debit cards) and loans, especially car loans and mortgages, through banks and real financial institutions;

2. Unable to take up some important positions, such as the executives of large enterprises and the management of state-owned enterprises and institutions;

3. loss. . . The right to enjoy preferential policies, the introduction of talents, the evaluation of professional titles and scientific research projects has been blocked.

As can be seen from the above, personal credit information will seriously affect personal life and even work after being blacked out, so it is necessary to safeguard personal credit information.

What are the restrictions after personal credit information is hacked?

After personal credit information is blacked out, you can't handle bank loans and credit cards, and you can't handle any business involving credit information inquiry. Moreover, there will be restrictions on travel, such as not taking high-speed trains or airplanes. And don't live in a star hotel. These are all things that users need to pay attention to.

Personal credit information has been blacked out, and there are generally overdue debts that have not been paid back for more than 3 months. After this happens, users should pay back the money as quickly as possible and then explain the situation to the bank. Credit will not be blacklisted after repayment, but overdue records will be kept for 5 years and disappear automatically after 5 years.

The overdue credit report will remain in the personal credit report and will never disappear. Therefore, it is very important for users to ensure good personal credit information in peacetime for the emergence of adverse effects. Personal credit information records personal basic information, bank credit transaction information, credit inquiry history and other information.

In normal times, users can query credit information through different channels, such as the branches and official websites of the People's Bank of China and the credit center of the People's Bank of China. It should be noted that the credit report cannot be inquired too much. Too many inquiries will be recognized by banks as too much debt, which will affect individuals' handling of loans.

What is the impact of the hacking of credit information?

Credit information is hacked, so it is impossible to apply for loans from banks, microfinance companies and other lending institutions, and it is impossible to apply for credit cards, which affects personal travel and consumption.

1, loans are difficult to handle: under normal circumstances, once the credit information is hacked, everyone's mortgage and car loan can't be handled at all. The difficulty of mortgage will not only affect everyone's quality of life, but also affect everyone's marriage, children's education and so on.

2. Job hunting is blocked: at present, some important jobs will require the credit of borrowers. If a person is blacked out by credit information, it is normal to be rejected by the work unit.

3. Business failure: In the process of business negotiation, the credit status of partners is often very important. If a person is a credit hacker, it is difficult to gain the trust of partners. Even in government bidding, corporate legal persons are often excluded from the list.

4. It is difficult to enjoy the preferential policies of the government: now the government will have a large number of preferential support policies in the fields of entrepreneurship and scientific research. For a person who has been blacked out by credit information, such a good thing is hard to meet.