Personal credit information is blacked out, that is, individuals have bad credit behaviors, and the following behaviors will be restricted:
1. It is impossible to handle credit cards (debit cards) and loans, especially car loans and mortgages, through banks and real financial institutions;
2. Unable to take up some important positions, such as the executives of large enterprises and the management of state-owned enterprises and institutions;
3. loss. . . The right to enjoy preferential policies, the introduction of talents, the evaluation of professional titles and scientific research projects has been blocked.
As can be seen from the above, personal credit information will seriously affect personal life and even work after being blacked out, so it is necessary to safeguard personal credit information.
If the credit information is hacked, what will be the most serious consequence?
Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report.
Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report. If we want to eliminate it, we must wait five years, after a five-year retrospective period.
The bank will automatically cancel the blacklist, but please note that if your initial behavior is too bad, the bank can ask for a follow-up (provide relevant certificates, such as repeated door-to-door failures, malicious fraud, etc. ), that is to say, it will last for five years, or even go back forever.
Sources of capital expansion:
With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services. Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing.
It helps enterprises to reach the target customers in the most effective and economical way, so it has high market value, and the application of personal credit information system has also expanded to the direct sales and retail fields.
In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.
Baidu encyclopedia-credit card blacklist
What are the restrictions on the blacklist of credit information?
1. Seal up and freeze Alipay account.
At present, the funds in online virtual trading accounts such as Alipay and WeChat also belong to the property that can be executed by the court. If it is overdue, book a tourist house, buy insurance, rent a house, date, etc. Online will be restricted.
2. Travel is blocked
If property buyers are blacklisted, vehicle travel will also be restricted, and access to highway toll stations will be temporarily suspended. Can't buy a plane ticket; Trains can't buy soft sleepers, and ships can't buy second-class cabins; Can't take the first-class seat of high-speed rail and bullet train; Can't buy a private car instead of walking, water, land and air, and high-speed travel are all impassable.
3. Family members are implicated
As long as people on the blacklist have social connections, their families can't escape. Family property belongs to both husband and wife, and both husband and wife belong to an "economic identity" at the legal level. So the credit rating between husband and wife will affect each other. More seriously, children are restricted from going to school.
4. Work will also be affected.
People who are blacklisted for credit information cannot join the Party, take civil service examinations, engage in specific industries or projects, receive state support or subsidies, and have no qualifications for specific positions. Virtual credit began to affect individual job hunting. More and more companies begin to introduce third-party credit evaluation system in recruitment. Many employers gradually incorporate credit evaluation into the scope of recruitment conditions when recruiting blue-collar employees.
What's the impact of being hacked?
If the credit information is blacked out, it will be rejected when the bank applies for mortgage, car loan and credit card. In addition, the blacked-out credit information will also affect the loan processing of online lending platforms that need to inquire about credit information. However, according to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events, and those that exceed 5 years should be deleted. Therefore, in the case of paying off debts, bad credit records will be deleted after 5 years.
On the credit blacklist, had a bad influence:
1. I can't buy a plane ticket, a soft sleeper for a train, a second-class seat for a ship, a first-class seat for a high-speed train or a motor train, or a private car.
2. Don't be a boss, a director, a supervisor or an executive. If your personal credit information is tainted, I'm sorry, it means that you have no chance to be a boss, director, supervisor or senior manager.
3. Seal up and freeze Alipay accounts, book tourist houses online, buy insurance, rent houses, date, etc. Will be restricted.
4. Freezing and deducting property online. The enforcement judge can find, freeze and deduct the financial property of the executed person in more than 4,000 banking financial institutions across the country with a click of the mouse.
5. The list is synchronized with Sesame Credit, and online shopping is limited. In consumer finance, credit card hotels, renting houses, renting cars and other scenarios, the untrustworthy people are completely restricted through channels such as the Internet.
6. No high consumption, no free consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; You can't borrow money to buy a house, let alone apply for credit cards and loans.
The person subjected to execution refers to the person who has failed to fulfill the obligations specified in the effective legal documents, and has legal circumstances such as "unable to perform" and "resisting execution", so he is listed on the list of persons subjected to execution by the people's court according to law.
Led by the National Development and Reform Commission and the Supreme People's Court, the People's Bank of China, the Central Organization Department, Publicity Department of the Communist Party of China, the Central Organization Office, the Central Civilization Office, the Supreme People's Procuratorate and other 44 units jointly signed the Memorandum of Cooperation on Joint Punishment of Those Executed for Breach of Trust on October 20th, 65438. The memorandum proposes 55 disciplinary measures, which are divided into eight categories. The first category is the restrictions on the establishment of financial institutions by malicious people. The second category is the restrictive measures against the commercial behavior of the people who have been executed for breaking their promises; The third category is the restrictions on the industry access of the person who has lost his trust, such as restricting his employment (employment) as a civil servant or a staff member of a public institution; The fourth category is the restrictive measures for the person who has lost his trust to hold important positions, such as restricting the directors, supervisors and senior managers of financial institutions; The fifth category is restrictive measures to enjoy preferential policies or honors for those who have lost their trust; The sixth category is the restrictive measures against the high consumption behavior of the untrustworthy executors, such as restricting flying, train soft sleeper, high-speed rail, and restricting children from attending high-cost private schools; The seventh category is the restrictive measures to restrict the exit, conviction and punishment of the person who has lost his trust; The eighth category is the measures to assist in inquiring and publicizing the information of the person who has lost faith.