The original title: Chinese bank loans: students personal credit darkness killer!

 I in the University during the period of school, the school in China Bank of Beijing Qinghua East Road branch for the national student loans of 18000 yuan.

To graduate from about June, the school notice said, will graduate in July before one-time pay off is no interest, or you'll charge interest. I can't make so much money, and also under the school organization, and the bank signed the repayment agreement, from the beginning of September monthly repayment. In August, I have enough money, ready to get a pay off, to avoid too much interest. And after I contact the bank, in late August to China Bank of Beijing Qinghua East Road branch for the repayment procedures, but also 18000 of the principal, but also to pay one hundred or two hundred dollars in interest. As I opened the bank that loan settlement, tell me all right, no matter what.

Early hear the loan and repayment and credit linked person, so I really pay attention to maintain its good credit status. I'm from 2007 for a credit card, always repay on time, never in arrears. The national student loan, I also advance it paid off, and I'm sure it won't affect my credit conditions, should accumulate, excellent credit record for me.

In 2011, I began to prepare to buy the thing of the house. During the real estate sales personnel told me, buy a house loan in handling before the best to do a credit (query personal credit), because this should go to the people's Bank of China do more trouble, I think there is no need to, because I think that personal credit isn't out of the question.

In December 27, 2011, I have gone through the formalities of buy a house, a Hebei Construction Bank to apply for housing loans to individuals. Exceeding one's expectations is, bank staff have told me, I have a problem of personal credit! The credit system in China show my bank loans 1 timesBe overdueRecord!

It's unfair. I was angry and urgent, but no way, this system is not our personal can control.The local bank staff told, they also have no way, as long as there is bad record, it is difficult to remove, no matter what the reason the banks will not admit their mistakes.My plan was forced to change, because the credit problems need to prepare materials, very troublesome.

Now I know, this China bank loan, although can help poor college students have the funds to go to school, but they also became their personal credit darkness killer!

My 1 overdue record cannot be rejected for a loan in the bank, but what is more. Have the students undergraduate four years loans 24000, after graduation to the graduate student, the loans for the extension procedures (deferred repayment), graduate three years study, he repeatedly to contact the bank within the prescribed time to pay off the loan. Arguably, also won't have what problem, but until a few years later to apply for bank loans to know: hisThere are38 timesOverdue record! He has already been included in the credit blacklist, don't want to loan from the bank to any kind of!

As we ordinary people, don't know what is the credit system, has always been honest in accordance with the requirements of banks for the procedures, but also on its own initiative to contact the bank to repayment, although they also impatient, attitude is very bad, or evade repayment number is too much and delays in processing...... Did not think of to still be bank put on black!Have a university, just work by the bank to the black! How can such a wrong person!

Don't know China bank is going to do, without prior notice what time shall we repayment, what time does not repayment will have bad credit records of individuals, we also advance the, also to secretly record bad record, no matter how many times, to what extent, also don't notice our personal. Service attitude is bad, the state-owned bank first.

I call Chinese bank hotline 95566 on the evening of December 31, 2011, just consult to why such a situation, that female customer service attitude is very bad, said they not do something, you go to the bank!

Let us go to which bank? Chinese banks or the people's Bank of Chinese? Our loan business had done, who will take care of these things.A construction bank staff said, even if it is not my reason, even if is obviously the bank's fault, want to change these records is very difficult, but I will still continue to run for this world, the pursuit of justice and light.

A strong appeal to China bank loan to credit his attention to query, especially for the extension of the graduation, his one-time advance repaid people; also strongly urged the organization of social media, management investigation!

Purple real life, 2012-2-3

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Postscript:

   This matter has been resolved.I then made a special trip to the personal credit management institution of the people's Bank of Chinese (Information Center), first apply query personal credit (then can come out), challenged the poor record of the (fill in the form), fifteen working days, management will give out. Then the query, bad records I have to delete. Not like CCB staff said that difficult to solve! Although the student loan credit record system has defects, there are ways to solve, we hereby state!

   Thank you for the attention of netizens! If people with similar problems, can in time to solve the credit information center. Have a problem, need the help of comments, can contact me.

2012.9.24

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   Chinese Qinghua East Road Beijing branch bank loan service telephone: 010-82837648, with the same problem readers can call the advisory. This article is published, they have attracted great attention, take the initiative to report to solve the credit problems of student loans. Things to this point, with Sina blog media resources, facilitate the settlement of such events, was a success.

   Today they also take the initiative to call me, said "looking for me good, finally found me", check my information. "Service" is getting better and better. We then.

2012.9.25