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How to stay away from credit blacklist? If we do these five things well, we will not be afraid

In the era of credit investigation, sesame credit and credit report are all closely related to credit investigation, so how to keep away from the blacklist of credit investigation? For modern people, speaking of credit is an important thing, because it is possible to do credit investigation anytime and anywhere.

1. If the credit card is overdue for a while, do not cancel the credit card. On the contrary, you should repay it normally first and then use it normally. Once the credit card is cancelled after it is overdue, the credit record will always stay overdue, which may also be deemed as "malicious overdraft" by the bank and directly enter the blacklist, with predictable consequences;

2. If the individual credit report occasionally has overdue repayment, but the repayment is made in full and on time thereafter, this is enough to prove that its credit status is developing in a good direction and will not affect the approval;

3. Check personal credit report at least once a year. According to the regulations, since June 3, 2014, the first two times of each year for individuals to query their credit reports are free of charge. If there is any problem in the credit report during the investigation, which is different from the imagined situation, it can raise an objection to the credit investigation center of the people's Bank of China;

4. Make repayment arrangements in advance before going out for travel or business trip. It is suggested to repay in advance or entrust others, or through online banking or mobile banking;

5. When providing the copy of ID card to others, it is better to indicate the purpose where the copy of ID card has text, and indicate "copy again is invalid", so as to avoid being loaned.

In a word, we must pay attention to our credit investigation. If the credit investigation is black, we can't handle financial business, such as credit card, car loan, house loan, etc. Seriously, it will even be forbidden to take a car or a plane!