I have three cards: Guangfa 8000, Shenfa 5000, Minsheng 16000. They are all maxed out and have been overdue for a long time! It is estimated that it has not been returned for 1-5 months! Only one or two minimum payments have been made! It was not until last month that Guangfa and Shenfa said that they would transfer the lawyer's judicial procedure that they paid back the money at one time. For the people's livelihood, the police of the local anti credit card crime center called, and they have paid back 2000700002000, which is still 80000 short Now I'm definitely on the blacklist! What about bank loan for house purchase? Can I buy a house in the name of other people, such as my parents? Does the blacklist record follow me all my life? I can't get a credit card in the future!
I have really convinced you! In the words of the People's Bank of China, you are not on the blacklist, but all your default records have been saved. Now the People's Bank of China specially emphasizes not to use the "blacklist" below, but in fact, it is almost the same. Generally, when a bank handles a credit card or loan for you, or accesses your credit investigation records, if you say something, it will definitely not be accepted. Loan to buy a house is definitely not good, using someone else's name? The age and income of the lender should also be considered for the loan, which will certainly have an impact. The credit information records of the People's Bank of China have not yet clearly recorded the expiration time. In foreign countries, it is generally 7 years, which means that your records may become invalid in the records after 7 years. However, the People's Bank of China has not yet set a time for the system to go online since 2005, but it will not stay with you forever. Unless you haven't paid back the money you owe all your life. Consider paying back the money as soon as possible. First, it is possible to invalidate the record one day earlier if the money is returned early. Second, the interest on the money owed to the credit card is high.
It's a blacklist at the meeting, but don't be pessimistic. Bad credit records can also be compensated by your good credit records. I hope you will pay attention later.
