中国建设银行·2026-01-08 07:52Core Viewpoint - The article discusses the implementation of a one-time credit repair policy by the People's Bank of China, detailing how individuals can check their credit status with China Construction Bank (CCB) to determine eligibility for the policy and the steps required to benefit from it [3]. Group 1: Checking Credit Records - Individuals should first check their credit records with CCB to see if there are any overdue payments that would affect their eligibility for the central bank's policy [3]. - The credit status can be checked through various methods, including the CCB app, online banking, and smart teller machines [5][6]. - The credit report will display repayment information over the past five years, indicating overdue amounts and repayment status [7]. Group 2: Understanding Overdue Information - If overdue payments are found, individuals are advised to repay them promptly to qualify for the policy [11]. - Specific scenarios are outlined: if overdue debts are fully repaid by November 30, 2025, the overdue information will not be displayed from January 1, 2026 [11]. - For debts repaid between December 1, 2025, and March 31, 2026, the overdue information will be removed by the end of the following month [15]. Group 3: Repaying Debts - To benefit from the policy, individuals must ensure they repay all overdue amounts and current payments by the due date [21]. - It is essential to verify the repayment status after making payments to avoid missing the opportunity for credit repair [19][20]. - For loan repayments, all historical overdue amounts and current dues must be cleared before the agreed repayment date [21]. Group 4: Monitoring Credit Record Changes - After repaying overdue debts, individuals should check their credit reports at the end of the following month to observe any changes [22]. - The implementation of the credit repair policy will result in overdue statuses being updated to normal, and overdue amounts below 10,000 yuan will be adjusted to zero [26].