Recently, I happened to see a piece of news on TV, which roughly means that parents' credit investigation will affect their children's life in the future, so for parents, we must pay attention to their own credit problems, so which bad behaviors will be blacklisted?
People who have applied for loans are the most clear. However, generally speaking, the bank blacklist is the bank's bad evaluation of personal credit. Therefore, the "blacklist" indicates that there is a problem with your credit, which is often called "credit poor". We often say that credit blacklist has an impact on us here and there, but neglecting our own mistakes will also have an impact on people around us. First of all, the blacklist of credit investigation will directly affect the spouse. For example, if one party has overdue stains, when the other half of the loan is met, the bank requires to provide a marriage certificate. If one of them is found on the blacklist, the bank may not approve the loan.
Secondly, when our children are still minors, the blacklist of parents' credit will indirectly affect their children:
1. Restrict children to high fee private schools.
2. Limit the payment of high premium to purchase insurance and wealth management products. It means you can't buy some insurance products for your children.
3. It is not allowed to choose plane, train soft sleeper and ship class II or above. It means you can't take your children to further places or travel abroad.
What are the joint effects of credit blacklist?
According to several provisions of the Supreme People's Court on publishing the information of the list of dishonest persons to be enforced, the actions that can be taken against dishonest persons to be enforced include:
1. Unable to apply for loan: if an individual has a bad credit record and is serious, he can no longer apply for loan in any bank in China;
2. No credit card;
3. limit the use of transport means: unable to choose aircraft, train soft sleeper, steamboat two and above, and those with bad credit will not be able to purchase tourist and holiday products through Taobao, Tmall, Alipay, Shenzhou renting and other platforms, nor can they book air tickets.
4. Limit high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
5. Limit the payment of high premium to purchase insurance financial products;
6. Restrict the leasing of high-grade office buildings, hotels, apartments and other places for office;
7. Restrict the purchase of vehicles not necessary for operation;
8. Limit online shopping for luxury goods;
9. Restrict children's access to high fee private schools;
10. If the person subjected to dishonesty is a natural person, he shall not act as the legal representative, director, supervisor, senior manager, etc. of the enterprise.
These are not only restrictions on myself and my spouse, but also restrictions on my children. Not only the above-mentioned inability to attend private schools, but also the inability to fly have a great impact on the future development of my children. We always say that we should not let my children lose in the starting line, create all possible conditions for my children, and let them have the same or higher starting point. If I appear in the blacklist of credit investigation, even the conditional children may not enjoy it because of your behavior. So don't let your family get into trouble because of your personal behavior.
How can we avoid being blacklisted? What are the behaviors we need to avoid?
1. The credit card has been overdue for three times in a row and six times in total;
2. Overdue or non repayment of the monthly housing loan for 2 to 3 months;
3. Overdue or non repayment of the monthly car loan for 2 to 3 months;
4. If the loan interest rate is increased, the monthly payment shall be made according to the original amount, resulting in overdue interest;
5. The water, electricity and gas fees are not paid on time;
6. Cash out behavior of personal credit card;
7. The student loan is in arrears;
8. If the 'sleep credit card' is not activated, there will still be an annual fee. If it is not paid, there will be a negative credit record;
9. Credit card overdraft consumption and mortgage loan are not repaid on time;
10. The third party fails to repay the loan on time when providing guarantee for the third party;
11. The mobile phone number is out of service, and relevant formalities are not handled. Overdue due to the monthly rental fee is due, which may also cause bad records;
12. Credit card arrearage record is generated by others using ID card or ID card copy.
In addition, it should be noted that there is a display period for the blacklist of credit investigation, and the retention time of bad credit records in the regulations on credit investigation management is five years.
Looking at the current society, children's position in parents' hearts is much more important than when we were children. Many families are used to cultivating children. Which parents do not want their children to have a good education environment and win in the starting line. Now that we attach importance to it, we should pay more attention to our credit investigation, otherwise our children will be affected in the future!