If the agreed repayment date is advanced to a holiday, then you have breached the contract once, and this record of breach of contract will be reflected in the credit information system of the People's Bank of China, and this record will not be erased until five years after you repay the debt, so it will be very inconvenient for you to use the credit line and credit tools in the future.
The main factors affecting personal credit risk score are: loans overdue's repayment, credit card overdraft, failure to repay according to the agreed time limit and repayment amount, or too many loan accounts and credit cards.
Extended data:
Personal credit information:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.