For those seeking things in a dark room, nothing is more helpful than lighting. For those gaining a foothold in society, nothing is more useful than good credit. Since ancient times, good credit has always been an important advantage enabling us to strike a balance in the ups and downs of life. In real life, have you ever suffered from rejections or hindrances in applying for housing mortgage, studying aboard or in business running due to bad personal credit records? Now personal credit records are affecting our life and work in all respects. How to maintain a good personal credit has been a concern of all. We must pay high attention to protecting our credit.

June 14 this year was the 14^th national Credit Record Care Day. In response to the "Accumulating Good Credit Is Accumulating Your Life Property" theme activity launched by the People's Bank of China Shanghai Branch, Juxin Leasing promoted credit knowledge among different groups of people in different ways that fit them and explained the importance of maintaining a good credit record, to improve the public's credit awareness and create a good social atmosphere of everyone "learning about, understanding and make good use of credit".

Personal credit reports mainly state: personal identity information, including basic identity information, residence Information, career information, etc.; credit transaction information, including credit cards, loans, information on loan guarantee for others, etc.; credit information outside the credit loan field. As conditions get readier, more information would be recorded in the personal credit database, to fully reflect the credit of a person. Those data would affect you when you purchase housing or cars, travel by air or high-speed trains, open a credit card, apply for financing, or even buy a ticket to a scenic spot, eat outside, apply for a school or run a company. The effect of credit on life can't be ignored.

Notably, we may be recorded as defaulters in many situations that're ignored by us in daily life, such as overdue payment of water, electricity or gas bills or student loans, or ID card being used fraudulently. Good credit could only do good to us and our families. To know about your credit records in advance could save you from troubles when you plan to apply for loans or buy housing. We should keep away from default to maintain good credit.

Tips from Juxin Leasing: Good credit records rely on our long-term accumulation and compliance. Hoping that everyone could have a good and reasonable consumption habit and repay borrowings on time. To accumulate good credit is to accumulate credit property for our future.