交通银行青岛分行:你必须知道的那些金融小常识
日常生活中,交通金融消费者往往出于好心最后却被不法分子利用,银行损害自身权益。青岛为了确保消费者信贷安全,分行青岛交行为大家分享不可错过五条金融常识。必须
1、知道银行无法更改客户个人信用记录
银行每月向央行个人信用信息基础数据上报消费者的小常还款情况,帮助客户建立征信记录,交通金融但根据法律规定,银行并没有权利更改客户的青岛个人信用记录。因此,分行青岛交行建议消费者保持良好的必须个人信用记录,如有问题,知道可登录央行征信中心官网查询。小常
2、交通金融身份证不能随便借,即使是自己人
身份证使用需谨慎。把身份证借给别人办贷款,就要承担法律上的义务。如对方逾期还款,会给身份证出借人的信用报告造成影响。信用报告的应用正向求职、租房等领域拓展,逐渐成为每个人的“经济身份证”。青岛交行安全提示,千万不要因一时义气,苦了自己。
如果身份证不慎丢失或被冒用,请做到:
①立即挂失处理,身份证丢失有可能泄露大量个人信息;
②通过网络或媒体发布挂失声明,可以最大限度做出澄清,减少和避免承担一些不必要的责任;
③及时到派出所进行身份证的补办;
3、切莫轻信“承诺”,参与分期套现
面对非法中介承诺“您贷我卖,事成重谢”的诱惑,要坚定立场。他们往往在完成交易后不按时还款,甚至失联,分期贷款的钱最终需要贷款人偿还。青岛交行提醒您对他们敬而远之,切不可因小失大。
4、逾期还款非小事,晚两天还款有关系
贷款还款拖延不得。个人信用记录会如实反映您在什么时候还了什么钱,是不是按合同的规定按时、足额地还了款。再加上不同银行的到账日规定有所不同,所以青岛交行建议您牢记还款日,提前5天转账,或保证指定的银行代扣账户中有足够金额。
5、分期期数结合自身情况,并非越长越划算
分期产品有不同的期数可供选择,比如6期、12期、24期、36期等多种选择。考虑到月还款额,有些消费者会觉得分期时间越长越划算。青岛交行提醒,您办理的分期期数越长,所需支付的整体费用也相应越高。如果还款能力比较强,可适当缩短分期期数。
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