Xi Niu Cai Jing·2026-01-10 02:31Group 1 - The core issue revolves around a customer, Mr. Qin, who faced significant problems with his credit record due to a "准贷记卡" (quasi-credit card) issued by Everbright Bank, which led to loan rejections from other financial institutions [2] - Mr. Qin's credit card had a credit limit of 100,000 yuan and he maintained a good repayment history, yet he encountered issues with his credit report in 2022, which were only resolved after multiple negotiations [2] - In November 2022, Mr. Qin discovered an alarming display of a debt amounting to 1,000 trillion yuan on a third-party platform, which was not reflected in Everbright Bank's own app or transaction records [3] Group 2 - The erroneous debt record caused further complications for Mr. Qin, as he faced additional loan rejections during this period, raising concerns about the impact of this incorrect information on his creditworthiness [3] - Everbright Bank's customer service acknowledged the possibility of a third-party platform error regarding the displayed debt amount, indicating potential issues with data accuracy in external financial services [3] - The erroneous record was only rectified in December 2023, highlighting delays in resolving such critical credit reporting issues [3]