Does Substituting Points for Others Affect Credit?
2 Answers
Substituting points for others on a driver's license does not affect credit, as there is no connection between driver's license points and credit. Relevant legal regulations on substituting points for others: According to the "Road Traffic Safety Law," substituting points for others in exchange for economic benefits, if discovered, will result in the suspension of the driver's license for six months and a fine. If caught substituting points for others again, the penalty will be detention for up to 15 days, a fine, and revocation of the driver's license. From this, it can be seen that although the penalties for substituting points for others are severe, they do not involve credit. Circumstances that affect credit: Overdue payments: A five-year repayment record in a personal credit report showing overdue payments; Unsettled overdue payments: Joint loans involving two or more borrowers with unsettled overdue payments; Overdue indicators: Large credit card installment loans, credit agreement information, overdrafts, and other overdue indicators.
I remember a neighbor helped a friend take the blame for penalty points last year, but was later caught by traffic police. Not only was he fined, but he also had to attend a safety course. Taking the blame for penalty points is absolutely illegal—traffic laws stipulate that the actual offender must bear the responsibility for the points. As for credit reporting, China's traffic management system is linked to credit reports. If you're caught committing such fraud, it could leave a stain on your credit report, affecting loan or credit card approvals. I strongly advise against doing this—protect your driver's license information and avoid unnecessary trouble. The best approach is to drive safely and minimize the risk of violations in the first place.
