Man convicted of credit-card debt 0.12 Yuan, denied car loans-credit card, loans-IT information
Credit card is currently the public most often used bank cards plus card low threshold and, therefore, most people have several credit cards. However, Humen clock for women of a never used credit cards, Nancheng regardless due to debt caused by 0.12 Yuan of bad credit records, car loans have not been approved. In this regard, the Guangdong Development Bank credit card centre staff, whether it is activated or not activated the card, consumers should all queries in a timely manner in order to avoid the appearance of a record.
Case study: forget PIN card record
Bell recently trouble of Humen, because her company to purchase a car, was told by 2010 when the loans go through the records of a bank credit cards have annual fees in arrears, resulting in a bad credit record.
"When the bank clerk to my company, and said for me to apply for a credit card, but when I received my credit card, it says that is the line of 0. Thought, I open such a large company, the Bank actually had a 0 credit card give me, Flay lost on the spot. Until early this year, the company wants to develop new business, you need to buy a car, decided to use the loan in my name, but, actually has a poor credit record. "She said she thought banks should have the obligation to inform, should have told her credit card not activated PIN card, for which she had several card bank, the Bank's staff told her to pay the annual fees in arrears, will sell up to record automatically in a few years.
Such as she "big head prawn" the Cheng gu. After Mr Gu's then dealt with a bank credit card, go to brush up a consumer, because how much money did not remember to brush, Alex is only a ballpark figure into the credit card payment. Most recently, Alex just wants to borrow money to buy a car, as a result, banks said he had a bad credit record, said he owed a credit card cost of 0.12 Yuan, plus interest, total debt is about a few Yuan. Eventually, Alex had a one-off payment to buy a car.
Three forms of car loans, both need verifiable credit history
Current loans, car loans are the easiest loans, and the required conditions is quite loose, however, have a bad credit history in the Bank, are likely to be denied loans.
According to South a beauty Department brand of credit Commissioner Li Mei said, now car loan main has three species, a is Bank loan, this a requirements compared strictly, by requirements of information also will more some; II is car brand of car financial loan, this products is to check consumers of credit records of, if has bad of credit records, also also will was refused loan; three is some private of loan company, these company regardless of consumers of credit records, but by received of interest quite high.
"Good credit consumer, select first, second was no problem, can at any time. However, if you have a bad credit record, so consumers can choose a third car loans, interest on such loans are usually higher. "Li Mei said.
"Sure is to check the credit history of a car loan, as our customers are concerned, they are in the credits, so the Bank will be the first time to verify the customer's credit history, if there is a bad record, will be blacklisted and that the customer cannot be through bank loans. "Humen credit Commissioner a Korean brand, according to Zhang says.
Tips
13 easy record
1. credit card three times in a row, the total of six late payments;
2. monthly mortgage total 2-3 months overdue or repayments;
3. car loan monthly payments total 2-3 months overdue or repayments;
4. the lending interest rate rise, according to the original amount paid "monthly payments" interest on overdue;
5. water, electricity and gas charges do not pay on time;
6. malignant behavior personal credit cards;
7. student loan repayments in arrears;
8. "sleeping cards" do not activate the arrears of annual fees;
9. consumption of credit card debt, mortgage loans are not timely repayment on schedule;
10. to guarantee third parties, third parties do not have to repay the loan;
11. the Court judgment debt economic disputes, such as the parts of the economy class;
12. cell phone charges and bank card fees linked to cellphone deactivated upon monthly rental fee;
13. be fraudulent use of identity papers or photocopies produced by others owe records.
男子因信用卡欠费0.12元，买车贷款遭拒 - 信用卡,贷款 - IT资讯
信用卡是目前市民用得最多的一种银行卡，加上办卡门槛低，因此，大多数人身上都有好几张信用卡。不过，虎门钟女士却因一张从没有使用过的信用卡、南城的顾先生因欠费0.12元而造成信用不良记录，而买车贷款未获通过。对此，有广发银行信用卡中心的工作人员表示，不论是激活还是没有激活的卡片，消费者都应及时查询，以避免不良记录的出现。
案例：忘记销卡产生不良记录
虎门的钟女士最近相当烦恼，原因是她的公司要购买一批汽车，去贷款时被告知因2010年办理的某银行信用卡有拖欠年费记录，造成了信用不良记录。
“当年这家银行的业务员到我公司来，说为我办理一张信用卡，可是当我收到信用卡时，上面说是0额度。当时想，我开这么大的一家公司，银行居然办了一张0额度的信用卡给我，一气之下就当场丢掉了。直至今年年初，公司要开展新的业务，需要买一批小轿车，决定用我的名义来贷款，没想到，居然有信用不良记录。” 钟女士说，她认为银行应有告知的义务，应该告诉她信用卡不激活也要销卡，为此，她找过几次办卡的银行，银行的工作人员均叫她缴纳了拖欠的年费，过几年就会自动销掉记录。
像钟女士这样“大头虾”的还有南城的顾先生。顾先生当年办理了某银行的信用卡后，就去刷了一笔消费，因为不记得刷了多少钱，顾先生就只存了个大概数入到信用卡里还款。最近，顾先生刚好要贷款买车，结果，银行说他有不良信用记录，说他欠信用卡费用0.12元，再加上利息，总欠费大约是几元。最终，顾先生只好一次性付款买了车。
三种车贷形式，两种需核查信用记录
现在的贷款中，汽车贷款是最容易放款的，而且所要求的条件也是相当松的，但是，银行里有不良的信用记录，也很容易被拒贷的。
据南城一家美系品牌的信贷专员李梅说，现在车贷主要有三种，一是银行贷款，这一种要求比较严格，所要求的资料也会多一些；二是汽车品牌的汽车金融贷款，这个产品也是要查消费者的信用记录的，如果有不良的信用记录，同样也会被拒贷；三是一些私人的贷款公司，这些公司不管消费者的信用记录，但是所收的利息相当高。
“信用好的消费者，选择第一、第二种是没有问题，随时可以通过。但是，如果有信用不良记录，那么消费者就只能选择第三种车贷方式，这种贷款方式的利息通常比较高。”李梅表示。
“汽车贷款肯定是要查信用记录的，就拿我们的客户来说吧，他们做的是信用贷款，所以，银行会在第一时间核实客户的信用记录，如果出现不良记录，将会被列入黑名单，即这个客户不可能通过银行贷款。”据虎门一家韩系品牌的信贷专员小张说。
小常识
13种情况容易留不良记录
1.信用卡连续三次、累计六次逾期还款；
2.房贷月供累计2至3个月逾期或不还款；
3.车贷月供累计2~3个月逾期或不还款；
4.贷款利率上调，仍按原金额支付“月供”，产生利息逾期；
5.水、电、燃气费不按时交款；
6.个人信用卡出现恶性套现的行为；
7.助学贷款拖欠不还款；
8.“睡眠信用卡”不激活产生拖欠年费；
9.信用卡透支消费、按揭贷款没有及时按期还款；
10.为第三方提供担保，第三方没有按时偿还贷款；
11.法院部分经济类判决等欠账经济纠纷；
12.手机扣费与银行卡扣费挂钩，手机停用后欠月租费；
13.被别人冒用身份证或身份证复印件产生欠费记录。