个人信用可一次性修复，房贷、消费贷、信用卡、花呗、借呗等纳入政策范围

Core Viewpoint - The People's Bank of China has announced a "one-time credit repair policy" aimed at supporting individuals with damaged credit who actively repay their debts, allowing for the removal of overdue information under certain conditions [1][8]. Group 1: Policy Details - The policy allows for the removal of overdue information for single overdue amounts not exceeding 10,000 yuan, provided that full repayment is made by March 31, 2026 [1]. - The credit repair process is automatic, requiring no application or documentation from individuals, and applies to various types of loans including personal, housing, and credit card debts [2][5]. - The policy encompasses overdue loans from all financial institutions connected to the central bank's credit system, including online lending platforms [2]. Group 2: Implementation Timeline - Overdue information will not be displayed in the credit system starting January 1, 2026, for debts repaid by November 30, 2025, and will be adjusted by the end of the following month for debts repaid between December 1, 2025, and March 31, 2026 [7]. - A three-month grace period from January 1 to March 31, 2026, is provided to facilitate the implementation of the policy and allow borrowers to repay their debts [7]. Group 3: Financial Institution Guidance - Financial institutions are advised to confirm the total amount owed by borrowers to ensure full repayment and compliance with the policy [9]. - The definition of full repayment includes settling both historical overdue debts and the current month's payment, with specific examples provided for clarity [9].