一次性信用修复政策来了！涉及信用卡、房贷、消费贷，还款后“免申即享”

Core Viewpoint - The People's Bank of China has announced a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to efficiently and conveniently rebuild their credit [1][11]. Summary by Sections Policy Implementation - The one-time credit repair policy applies to personal credit overdue information displayed in the central bank's credit system, specifically for overdue information generated between January 1, 2020, and December 31, 2025, with a single overdue amount not exceeding 10,000 RMB [2][12]. - Individuals must fully repay their overdue debts by March 31, 2026, to benefit from this policy [1][11]. Execution Standards - The policy is designed to be fair and straightforward, not distinguishing between loan institutions or types, and does not require complex application procedures [3][4]. - It aims to support small overdue amounts while maintaining credit constraints for those who have not repaid on time or have larger overdue amounts [4][12]. Convenience Measures - The policy includes three "convenience measures": automatic identification and processing of eligible overdue information without the need for application or documentation; a three-month grace period until March 31, 2026, for debt repayment; and an additional two free credit report inquiries for individuals in the first half of 2026 [5][14]. Changes to Credit Reports - After the implementation of the policy, eligible overdue information will have its "repayment status" changed from overdue to normal, and the overdue amount will be adjusted to zero in the credit report [6][14]. - Adjustments will occur based on the timing of debt repayment, with specific conditions for those who repay by November 30, 2025, and those who repay between December 1, 2025, and March 31, 2026 [8][15]. Warnings Against Fraud - The bank has cautioned individuals to confirm repayment amounts with financial institutions to avoid missing the policy benefits and to be wary of fraudulent intermediaries claiming to assist with the process [9][16]. - The People's Bank of China emphasizes that the credit repair policy does not incur any fees and does not require third-party agents, warning against scams [10][17].