Joke Collection Website - Talk about mood - What is the difference between bad credit reporting and blacklist? The original difference is actually in this place!

What is the difference between bad credit reporting and blacklist? The original difference is actually in this place!

I believe that many friends who have had experience in borrowing know that if the user's loan is overdue, it will affect the user's personal credit information and lead to poor credit information. If the circumstances of loans overdue are serious, it may be listed as a "blacklist". What is the difference between bad credit reporting and blacklist? The original difference is actually in this place! what is the difference between a bad credit report and a blacklist? First of all, let's talk about bad credit reporting. After the user's personal loans overdue, it is only one day overdue, which can also be called a credit stain. And it is overdue for three months, which is also a 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 an 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 default plot. Banks may blacklist users if the collection is fruitless. 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 bad, 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 it is not blacklisted in other banks, but can still handle some credit business. If the user is included in the list of dishonesty, it means that the user has become an "old lai". In addition to being restricted from a series of high-consumption behaviors, children can't attend high-consumption private schools, and their assets will also be inspected and auctioned. Of course, there is no way for untrustworthy users to handle any credit business in banks, and even pensions will be deducted to pay off debts. The above is the sharing of the relevant content of "the difference between bad credit information and blacklist", hoping to help everyone!