The following five small details can also affect your personal credit report and cannot be ignored:

As the main body of the personal credit reporting system is completely liberalized, there are more and more factors that affect personal credit scores/ratings. From the perspective of the industry, the main advantage of whether it is Alibaba or Tencent in laying out the credit reporting business lies in the large amount of money they have. data. For all users, there is no doubt that in addition to the original single central bank credit report, there are more and more factors that affect personal credit information. So what other factors should we pay special attention to to prevent accidentally entering the blacklist? Experts from Nanjing Loan Company believe that once the personal credit system is opened, the following aspects will affect your credit record.
No-shows on taxi-hailing apps
If you use Didi Dache to hail a taxi, but end up leaving before the taxi comes or taking another taxi randomly, then it will be recorded in your personal credit system If you have a breach of contract record, after reaching a certain number of times, you may no longer be eligible to use these taxi-hailing software. The relevant person in charge of Didi said that it has not yet received a notice from the headquarters to include the taxi-hailing default in Tencent's credit system.
No-show when booking a hotel online
Before traveling or going on a business trip, many people will make hotel reservations through online ticketing service companies such as Ctrip, Qunar, and Elong. Generally speaking, they only need to make a reservation without deposit. However, in many cases, due to temporary reasons, you are unable to go to or stay at other hotels, and the reservation is not canceled. At this time, your personal credit system will have an additional breach of contract record. After reaching a certain number of times, you may not be able to make hotel reservations online. .
Refuse to sign for online shopping
With the rapid development of e-commerce, online shopping has become popular in recent years. You can buy all items related to food, clothing, housing and transportation without leaving home. At the same time, many websites support cash on delivery, such as JD.com, Vipshop, Dangdang, etc. If you order something and the courier delivers it but does not intend to buy it or refuses to sign for it, a breach of contract record is born. Similar situations include high return rates and malicious negative reviews on websites such as Taobao and Tmall, which can also cause a bad credit record.
Taobao sells fake goods
Personal credit information will not only affect online buyers, but also affect the credit of sellers. If a seller sells fake goods on Taobao, he or she will not only be banned from operating online if found out, but it may even become more difficult to obtain a physical business license.
I sometimes forget to pay my water, electricity, gas and other unpaid bills on the phone until the payment is arrears. I always forget to pay the water, electricity, gas and cleaning fees at home, although now I just need to pay them back. That's fine, but if these are included in the field of personal credit reporting, even if you pay back, it may stain your personal credit.
Subway fare evasion
If fare evasion is detected and included in the personal credit system, not only will you face penalties, but you will also not be able to enjoy any transportation discounts in the future.
Information source Nanjing unsecured loans