What are the consequences of being on the blacklist?

There are many consequences of having your credit blacklisted, and I will list them all for you below:

1. It will be very difficult to get loans and apply for credit cards in the future;

2. There is no way to take planes or high-speed rail;

3. Children cannot go to key schools;

4. It affects employment and promotion;

5. Loan institution calls for payment If unsuccessful, you will be taken to court;

6. The pension will be directly deducted.

1. First of all, it is certain that entering the credit blacklist will have certain indirect effects on your children if they are still minors. The details are as follows: the credit blacklist will restrict children from attending high-fee private schools, which will hinder their ability to provide their children with a better education and environment; restricting the payment of high premiums to purchase insurance products will mean that you You cannot buy some insurance products for your children. It is restricted to use high-end and second-class transportation, and you cannot choose second-class or higher cabins on airplanes, trains, or ships. If you want to travel or study abroad, there is no other way.

2. In fact, the personal credit report only truthfully records an individual’s credit situation. It objectively records personal credit card, loan processing, application, repayment, etc. In the central bank’s credit reporting system There is no such thing as a blacklist. We often hear the term "blacklist", which generally refers to individuals whose credit reports are overdue for more than 90 consecutive days. A good credit record is the most basic condition for customers to apply for a loan. If you are overdue for more than 90 days in a row, you will be included in the commonly known as "blacklist" and no institution will dare to grant you a loan.

3. Personal credit record records each of us’ basic loan information, credit card information, social behavior information, etc. Generally speaking, if a personal loan or credit card is not repaid for more than three consecutive months, the lending institution will blacklist it. In addition, the "bad information" in credit reports also includes breach of contract information, tax arrears information, court and administrative penalty information. And this bad information does not necessarily remain on your credit report permanently. As long as the party terminates the bad behavior or events such as default, tax arrears or penalties, the credit report will no longer be displayed after 5 years.

4. If there is a stain on your credit report, does it mean that you will not be able to get a loan? The answer is not certain. For example, if you are not overdue for many times, occasionally once or twice, and have paid off the debt, this stain will not be too harmful to the loan application, and there is still hope for applying for a small credit loan; furthermore, if you have good credit No, you can also turn your attention to commercial banks, etc. Their loan application threshold is relatively low, and you may be able to get a loan if your credit report is tainted; finally, if these two paths are not feasible, you may have to change your loan method. , apply for a mortgage, or try a pawn shop.

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There are three ways to check an individual’s credit report:

1. Log in to the official website of the Credit Information Center of the People’s Bank of China Inquiry

Register as a user on the official website of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China; then submit a personal credit report inquiry application, and you can obtain the inquiry results and electronic report the next day;< /p>

2. Make an inquiry on the self-service inquiry machine authorized by the central bank

Some commercial banks have self-service credit inquiry machines, complete with face recognition technology and ID card, and enter the mobile phone number after successful comparison , you can print a simple or detailed version of the personal report;

3. Go to the local branches and credit reporting centers of the People’s Bank of China to inquire

For some home buyers, the bank Often a detailed version of the credit report is required, which must be checked and printed at the local branches and credit reporting centers of the People's Bank of China.