Love to use the mall membership fee, won't you also report it?

Love to use the mall membership fee without refunding points. Specifically, if the user fails to pay the membership fee of Love Mall on time, it will be regarded as a breach of contract. Default records may be reported by credit reporting agencies, which will have a negative impact on personal credit.

In order to explain this conclusion in detail, the following points are discussed:

1. Importance of credit system: China has a perfect credit system, including credit reporting agencies recording personal credit status from all aspects. These records are mainly used by financial institutions and commercial institutions to evaluate personal credit risk, which has an important impact on loans, credit cards, renting houses and so on.

2. Relationship between breach of contract and credit investigation: When the user fails to pay the membership fee of Love Mall on time, it can be regarded as a violation of the contract with Mall. According to relevant laws and regulations, shopping malls can report breach of contract to credit reporting agencies, which will have a negative impact on users' credit records. This will affect individuals' access to financial services such as loans and credit cards and preferential interest rates in the future.

3. Scope of influence: Although we can't confirm whether the specific records of membership fee violations will be reported to the credit investigation, according to the operating mechanism of China's credit system, similar violations are likely to be recorded in the credit investigation report, which will have a negative impact on personal credit. Therefore, users are advised to pay the membership fee on time to ensure their good credit record.

In summary, if you like to use the mall membership fee, you may also receive a credit report. Personal credit records have an important impact on financial services such as applying for loans and credit cards in the future, so it is very important to avoid default and maintain good credit.

Extended data:

China's credit system refers to recording and evaluating the credit status of individuals and enterprises through credit reporting agencies, providing information reference for financial institutions and commercial institutions. Among them, the more important credit institutions are the Credit Information Center of the People's Bank of China, the People's Credit Information Center and Huifa.com. According to the requirements of laws and regulations, these institutions record and evaluate personal credit from multiple dimensions, providing credit reference for financial institutions and commercial institutions.

Please note that the above answers are based on general experience and common sense. For the actual legal provisions and specific policies of the mall, please refer to the relevant information and get an accurate answer.