Does Deduction of Driving License Points Affect Personal Credit?
3 Answers
It does not affect personal credit. Below is the relevant information about driving license point deductions: 1. Query methods: terminal inquiry at traffic branch offices, service website inquiry, telephone inquiry, SMS inquiry, and tool inquiry. You can visit the office halls of traffic branch offices in various districts and counties to inquire through touch query terminals, or log in to the external service websites of the public security traffic management bureaus of municipal public security bureaus: find the relevant section, enter the license plate number and vehicle engine number, and click to inquire. 2. Deduction standards: driving a motor vehicle after drinking alcohol; driving an operational passenger vehicle (excluding buses) or school bus with more than 20% of the approved number of passengers; fleeing the scene after causing a traffic accident without constituting a crime.
I specifically looked into this when dealing with a traffic ticket before. Points deducted from your driver's license won't directly affect your credit report—the credit system and traffic management system aren't linked yet. However, if you accumulate 12 points, you'll have to retake the written test (Subject 1), which can disrupt work and affect income. Also, if you delay paying fines for over three months, you might end up on the失信名单 (dishonesty list), which would then impact your credit. A friend of mine who works in transportation forgot to pay a speeding ticket and later got stuck when applying for a mortgage. So it's better to drive carefully and not regret it only after losing all your points.
As a seasoned driver, let me tell you, you won't find demerit point records in your credit report. However, if you repeatedly run red lights or get your license suspended for drunk driving, and the court enforces fines, you could become a discredited person subject to enforcement. That kind of negative record is directly linked to your credit. The real hassle with demerit points is the increased insurance premium the following year. Last year, I got 6 points deducted and had to pay an extra 800 yuan for my insurance. Nowadays, companies hiring drivers check demerit points over the past three years—too many points and you won't even get an interview. That's a much more direct impact than your credit report.
