What's the difference between bad credit reporting and blacklist?

What's the difference between bad credit report and blacklist? Let's have a look!

First of all, talk about bad credit reporting. After a user's personal loans overdue, it is only one day overdue, which can also be called a credit stain. And three months overdue is also bad credit. Bad credit information refers to the existence of bad credit records in the credit information system of the People's Bank of China, which can be records of breach of contract or administrative punishment.

Strictly speaking, the blacklist is the evaluation of individual users by banks. After the user has handled the credit business in the bank, due to various reasons, the user has a breach of contract. If the collection fails, the bank may blacklist the user.

Once a user becomes a blacklisted customer of a bank, many businesses cannot be handled. Such as mortgage, car loan and other credit business.

If the user's personal credit is not good, it will be more difficult for the user to apply for credit business in any bank. If the user is blacklisted by only one bank, then the user just can't handle related business in that bank, and is not blacklisted in other banks, but he can still handle some credit business.

If the user is included in the untrustworthy list, it means that the user has become an "old lai". In addition to being restricted to a series of high-consumption behaviors, children can't go to high-consumption private schools, and assets will also be inspected and auctioned. Of course, untrustworthy users can't handle any credit business in banks, and even deduct pensions to pay off debts.

Knowledge expansion

Generally speaking, in these cases, you will become a person without faith:

1. Deliberately fails to repay the loan within the time limit and defrauds the loan.

2 have the ability to repay, but failed to fulfill the repayment obligations.

3, within the repayment time stipulated by the court, did not pay off the money.

What kind of treatment will you face after becoming a faithless person?

1, you can't take high-speed trains, planes or buses.

2, unable to access all kinds of high-end consumer places.

3. You can't buy big things, such as houses and vehicles.

4. Don't be a boss or an executive.

5. Restrict stock trading and exit.

6. Children can't go to private schools.

7. Children admitted to universities (including postgraduate entrance examination) may be refused admission.

8. Lao Lai's children failed to pass the political examination of civil servants, military schools and aviation institutes.

In addition, banks and other financial institutions will also restrict financial activities such as loans and financing for those on the "list of people who have lost their trust". From this perspective, the list of dishonesty and the blacklist of credit information are similar.