Will a stain on my credit report restrict my ability to travel abroad?

Can I go abroad if my credit report is bad? A must-read for bank loan users!

;?With the advent of the information age, personal credit information has become more and more important. When going to banks and financial institutions to handle business, you need to check your credit information. Once your credit information is bad, you will be restricted in many aspects. Recently, some users are asking, can I go abroad if my credit report is bad? Today we will talk about this topic. In fact, the bank does not have a "blacklist" in the strict sense. Even if the payment is overdue and has not been settled, as long as the bank does not sue you, you can fly abroad with peace of mind without any impact. However, if you are included in the list of dishonest persons subject to execution, you cannot go abroad at will. Article 231 of the new "Civil Procedure Law" promulgated and implemented on April 1, 2017 stipulates: "If the person subject to execution fails to perform the obligations specified in the legal document, The People's Court may take measures against him or notify relevant units to assist him in taking measures such as restricting his departure from the country, recording it in the credit reporting system, publishing information on non-fulfillment of obligations through the media, and other measures prescribed by law. "In addition to going abroad, train tickets for high-seat trains or above are not allowed. You cannot buy airplane tickets, stay in star-rated hotels, go to high-end places, buy a house or a car, send your children to private schools, etc. In short, the impact is relatively large.

So you must not go abroad? In actual practice, this may not necessarily be the case. Even if you are included in the list of dishonest persons subject to enforcement, the court still needs to issue a ban on exit notice and attach an execution ruling (sent) to the immigration, and the entry and exit entry system will prohibit exit. Therefore, in this society where the entire system is not yet connected to the Internet, if you want to go abroad, it still depends on the situation. If the ruling has not yet been sent, you can still go through the procedures for going abroad with your personal ID card. Can I go abroad if my credit report is overdue? What restrictions will be imposed on those who have a bad credit report?

1. You can go abroad if you have a bad credit card debt record.

2. If you are only included in the credit card blacklist, it will only affect future loans and credit cards, and will not affect the cardholder's travel, such as taking planes, trains, etc.

3. In order to strengthen joint credit punishment measures for dishonest persons subject to execution, the Supreme People's Court has reached cooperation with the Credit Information Center of the People's Bank of China to incorporate the list of dishonest persons subject to execution into the credit reporting system and record it in the credit reporting system. In the credit file of the executor; share the list information of dishonest persons subject to execution with more than 20 financial institutions such as Industrial and Commercial Bank of China, Agricultural Bank of China, and Bank of China, so that the dishonest persons subject to execution will be restricted or restricted when handling loans, credit cards, etc. prohibit.

4. Only those who are blacklisted by the court as dishonest persons and become persons subject to execution for dishonesty will be restricted from taking airplanes, taking soft sleeper trains, applying for loans and credit cards, and serving as corporate legal representatives, directors, Senior managers, etc. Credit blacklist, can I work abroad?

No. Actions taken against people on the credit blacklist include:

1. Prohibiting some high-consumption behaviors, including banning flying and sleeping in trains;

2. Implementing other credit penalties, Including restrictions on loans or credit cards from financial institutions;

3. If the person subject to breach of trust is a natural person, he shall not serve as the legal representative, director, supervisor, senior manager, etc. of the enterprise;

4. Enforce the deposits of the person subject to execution;

5. Enforce the income of the person subject to execution;

6. Enforce the stocks and other properties of the person subject to execution;< /p>

7. Enforce the execution of the person's vehicles and other movable property;

8. Enforce the execution of the accounts receivable and other properties of the person subject to execution;

9. Enforcement Execute the land, real estate and other real estate of the person subject to execution;

10. Force the person subject to execution to return specific property;

11. Double payment of debt interest and payments during the period of delayed performance Delayed performance fines;

12. Fines, detention and other compulsory measures;

13. Entry and exit restrictions, etc.

Extended information:

The impact of the credit blacklist:

1. Unable to apply for loans from financial institutions such as banks and small loan companies. Not only are attempts to get loans to start a business and capital turnover in vain, but even applications for home loans and car loans will be turned away.

2. You can no longer apply for a credit card. If there is a bad personal credit record, it is no longer possible to apply for another credit card for daily personal consumption. It's the same at every bank, because every bank can check your credit record.

3. Impact on personal travel. If your personal credit record is blacklisted, for example, if you default on a bank loan maliciously, you will be sued by the bank. This will result in the borrower being unable to fly, stay in a star hotel, etc.

Baidu Encyclopedia - Persons subject to execution for breach of trust

Baidu Encyclopedia - Credit blacklist management measures

Baidu Encyclopedia - Credit stains. Poor personal credit will affect going abroad. Traveling?

It depends on the situation:

It depends on the country you are visiting

If it is a visa-free country (Russia, Malaysia, etc.), there is no problem in applying for a visa. If it is (the United States, the United Kingdom, etc.), personal credit records will be checked when applying for a visa.

Personal credit reporting agencies established in accordance with the law collect and process personal credit information, and provide personal credit information inquiry and evaluation services according to user requirements.

A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.

Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

Reference materials:

Personal credit report_Baidu Encyclopedia