Xin Lang Cai Jing·2026-01-08 02:15Core Viewpoint - A customer of Everbright Bank reported issues with their credit report, indicating overdue payments despite normal repayment behavior, leading to loan rejections from other financial institutions. The situation escalated when the customer discovered a bizarre debt of 1 trillion yuan displayed on a third-party app, which was not reflected in the bank's records [1][6][18]. Group 1: Customer Experience and Issues - The customer, Mr. Qin, has been using a "Lehui Jin" quasi-credit card from Everbright Bank since 2015, with a credit limit of 100,000 yuan, and has never missed a payment [3][14]. - In 2022, Mr. Qin faced repeated loan rejections due to a credit report showing overdue payments, which he later discovered were misclassified as overdue when they were actually just overdraft statuses [3][15]. - The customer found that the quasi-credit card's repayment records were marked as "1" and "2," indicating overdraft periods rather than actual overdue payments, which led to confusion and misinterpretation by other banks [4][12]. Group 2: Bank's Response and Policy - Everbright Bank's customer service acknowledged the possibility of errors in third-party platforms displaying incorrect debt amounts, suggesting that the customer should verify with the bank directly [2][13]. - The bank stated that the "Lehui Jin" quasi-credit card has been discontinued in 2023, but existing customers can still use it. Changes to the card's repayment terms were made, including a new billing cycle and reporting practices [5][17]. - The bank clarified that the repayment statuses of "1" and "2" are reported to the credit system and do not affect the customer's credit report negatively, despite the customer's claims of adverse effects on loan applications [5][17]. Group 3: Industry Context and Implications - Quasi-credit cards, like the "Lehui Jin," are a unique product in China, requiring customers to deposit collateral and typically not offering interest-free periods, which can lead to misunderstandings regarding repayment statuses [20][23]. - There is a growing concern among quasi-credit card holders, particularly small business owners, about being unfairly classified as overdue, which can severely impact their ability to secure loans and maintain business operations [10][21]. - Industry experts emphasize the need for banks to distinguish between quasi-credit card overdrafts and actual overdue payments in their credit assessment processes to prevent misclassification and its consequences [12][23].