Is Deduction of Driver's License Points Included in the Credit Reporting System?

[Aria]

Deduction of driver's license points is not linked to credit reporting. As long as traffic violations are handled within the specified time, it will not affect credit reporting. Generally, only overdue credit card payments or overdue Ant Huabei payments will have an impact. The so-called "three consecutive or six cumulative" rule refers to three consecutive months of overdue repayments or a total of six overdue repayments within the last two years, which is a commonly used personal credit red line in the industry. Once this line is crossed, personal loans and credit card applications will be effectively blocked for at least five years. The point system operates on an annual cycle, starting from the date the driver first obtains the driver's license. The maximum cumulative deduction within one cycle is 12 points. If a driver reaches 12 points within a cycle, they must take a relevant test. Upon passing the test, the original points will be cleared, and the cycle will restart.