When I join a securities company, I have a lot of small credit loans but they are not overdue. Will this affect my employment?

It will affect. Under normal circumstances, the banking industry and some establishment positions are relatively strict during the onboarding process, and they all require personal credit checks. Checking the credit report is just to check whether the employee has any bad behavior such as late repayment. If you just check a lot of records, it will not have an impact on the personal credit report.

The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. If it exceeds 5 years, it shall be deleted. The management and inquiry of personal credit records are managed by the central bank and can only be erased over time.

The bank’s tolerance for the user’s personal debt ratio is relatively high, but if the user is applying for a loan, the debt ratio requirements for the borrower will be stricter. Usually, the monthly income must be higher than the monthly debt ratio. twice or more.

1. Can credit be transferred and repaid

Yes. For credit repayment, users usually deposit the repayment funds into the repayment bank card. As for depositing money through an ATM machine, or transferring money through mobile banking or online banking, it is all possible. Of course, after the repayment funds are deposited into the repayment bank card, the system will automatically deduct the money to complete the repayment. The system does not initiate automatic deductions. Users are asked to contact the lending institution to choose active repayment. Active repayment may involve the lending institution giving the user a repayment account, and the user directly transfers funds to the account.

The characteristic of credit is that applicants do not need to provide any mortgage or guarantee. They can obtain a loan based only on their own creditworthiness, and use their personal creditworthiness as a guarantee for repayment. Precisely because it is a type of loan issued purely based on creditworthiness, generally the better the credit of the applicant, the greater the chance of obtaining a higher loan amount.

Banks stipulate that the starting amount of personal credit is 10,000, and the maximum cannot exceed 1 million. In fact, if you apply for a credit loan of less than RMB 100,000, you can apply for a mortgage loan if you have assets in your name. The amount you can get with a mortgage loan is often higher than with credit, or you can also apply for a secured loan.

It will affect. Under normal circumstances, the banking industry and some establishment positions are relatively strict during the onboarding process, and they all require personal credit checks. Checking the credit report is just to check whether the employee has any bad behavior such as late repayment. If you just check a lot of records, it will not have an impact on the personal credit report.

The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. If it exceeds 5 years, it shall be deleted. The management and inquiry of personal credit records are managed by the central bank and can only be erased over time.

Bank employment has a relatively high tolerance for users' personal debt ratio, but if the user is applying for a loan, the debt ratio requirements for borrowers will be stricter. Usually, the monthly income must be higher than the monthly debt ratio. twice or more.

1. Can credit be transferred and repaid

Yes. For credit repayment, users usually deposit the repayment funds into the repayment bank card. As for depositing money through an ATM machine, or transferring money through mobile banking or online banking, it is all possible. Of course, after the repayment funds are deposited into the repayment bank card, the system will automatically deduct the money to complete the repayment. The system does not initiate automatic deductions. Users are asked to contact the lending institution to choose active repayment. Active repayment may involve the lending institution giving the user a repayment account, and the user directly transfers funds to the account.

The characteristic of credit is that applicants do not need to provide any mortgage or guarantee. They can obtain a loan based only on their own creditworthiness, and use their personal creditworthiness as a guarantee for repayment. Precisely because it is a type of loan issued purely based on creditworthiness, generally the better the credit of the applicant, the greater the chance of obtaining a higher loan amount.

The bank stipulates that the starting amount of personal credit is 10,000, and the maximum cannot exceed 1 million. In fact, if you apply for a credit loan of less than RMB 100,000, you can apply for a mortgage loan if you have assets in your name. The amount you can get with a mortgage loan is often higher than with credit, or you can also apply for a secured loan.

It will affect. Under normal circumstances, the banking industry and some establishment positions are relatively strict during the onboarding process, and they all require personal credit checks.

Checking the credit report is just to check whether the employee has any bad behavior such as late repayment. If you just check a lot of records, it will not have an impact on the personal credit report.

The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. If it exceeds 5 years, it shall be deleted. The management and inquiry of personal credit records are managed by the central bank and can only be erased over time.

Bank employment has a relatively high tolerance for users' personal debt ratio, but if the user is applying for a loan, the debt ratio requirements for borrowers will be stricter. Usually, the monthly income must be higher than the monthly debt ratio. twice or more.

1. Can credit be transferred and repaid

Yes. For credit repayment, users usually deposit the repayment funds into the repayment bank card. As for depositing money through an ATM machine, or transferring money through mobile banking or online banking, it is all possible. Of course, after the repayment funds are deposited into the repayment bank card, the system will automatically deduct the money to complete the repayment. The system does not initiate automatic deductions. Users are asked to contact the lending institution to choose active repayment. Active repayment may involve the lending institution giving the user a repayment account, and the user directly transfers funds to the account.

The characteristic of credit is that applicants do not need to provide any mortgage or guarantee. They can obtain a loan based only on their own creditworthiness, and use their personal creditworthiness as a guarantee for repayment. Precisely because it is a type of loan issued purely based on creditworthiness, generally the better the credit of the applicant, the greater the chance of obtaining a higher loan amount.

The bank stipulates that the starting amount of personal credit is 10,000, and the maximum cannot exceed 1 million. In fact, if you apply for a credit loan of less than RMB 100,000, you can apply for a mortgage loan if you have assets in your name. The amount you can get with a mortgage loan is often higher than with credit, or you can also apply for a secured loan.

It will affect. Under normal circumstances, the banking industry and some establishment positions are relatively strict during the onboarding process, and they all require personal credit checks. Checking the credit report is just to check whether the employee has any bad behavior such as late repayment. If you just check a lot of records, it will not have an impact on the personal credit report.

The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. If it exceeds 5 years, it shall be deleted. The management and inquiry of personal credit records are managed by the central bank and can only be erased over time.

Bank employment has a relatively high tolerance for users' personal debt ratio, but if the user is applying for a loan, the debt ratio requirements for borrowers will be stricter. Usually, the monthly income must be higher than the monthly debt ratio. twice or more.

1. Can credit be transferred and repaid

Yes. For credit repayment, users usually deposit the repayment funds into the repayment bank card. As for depositing money through an ATM machine, or transferring money through mobile banking or online banking, it is all possible. Of course, after the repayment funds are deposited into the repayment bank card, the system will automatically deduct the money to complete the repayment. The system does not initiate automatic deductions. Users are asked to contact the lending institution to choose active repayment. Active repayment may involve the lending institution giving the user a repayment account, and the user directly transfers funds to the account.

The characteristic of credit is that applicants do not need to provide any mortgage or guarantee. They can obtain a loan based only on their own creditworthiness, and use their personal creditworthiness as a guarantee for repayment. Precisely because it is a type of loan issued purely based on creditworthiness, generally the better the credit of the applicant, the greater the chance of obtaining a higher loan amount.

The bank stipulates that the starting amount of personal credit is 10,000, and the maximum cannot exceed 1 million. In fact, if you apply for a credit loan of less than RMB 100,000, you can apply for a mortgage loan if you have assets in your name. The amount you can get with a mortgage loan is often higher than with credit, or you can also apply for a secured loan.

It will affect. Under normal circumstances, the banking industry and some establishment positions are relatively strict during the onboarding process, and they all require personal credit checks. Checking the credit report is just to check whether the employee has any bad behavior such as late repayment. If you just check a lot of records, it will not have an impact on the personal credit report.

The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. If it exceeds 5 years, it shall be deleted. The management and inquiry of personal credit records are managed by the central bank and can only be erased over time.

Bank employment has a relatively high tolerance for users' personal debt ratio, but if the user is applying for a loan, the debt ratio requirements for borrowers will be stricter. Usually, the monthly income must be higher than the monthly debt ratio. twice or more.

1. Can credit be transferred and repaid

Yes. For credit repayment, users usually deposit the repayment funds into the repayment bank card. As for depositing money through an ATM machine, or transferring money through mobile banking or online banking, it is all possible. Of course, after the repayment funds are deposited into the repayment bank card, the system will automatically deduct the money to complete the repayment. The system does not initiate automatic deductions. Users are asked to contact the lending institution to choose active repayment. Active repayment may involve the lending institution giving the user a repayment account, and the user directly transfers funds to the account.

The characteristic of credit is that applicants do not need to provide any mortgage or guarantee. They can obtain a loan based only on their own creditworthiness, and use their personal creditworthiness as a guarantee for repayment. Precisely because it is a type of loan issued purely based on creditworthiness, generally the better the credit of the applicant, the greater the chance of obtaining a higher loan amount.

The bank stipulates that the starting amount of personal credit is 10,000, and the maximum cannot exceed 1 million. In fact, if you apply for a credit loan of less than RMB 100,000, you can apply for a mortgage loan if you have assets in your name. The amount you can get with a mortgage loan is often higher than with credit, or you can also apply for a secured loan.

Reference material: Baidu Encyclopedia

Reference material: Baidu Encyclopedia

Reference material: Baidu Encyclopedia

Reference material: Baidu Encyclopedia

Reference material: Baidu Encyclopedia

Reference material: Baidu Encyclopedia