Question 1: What percentage of RMB credit card use is high debt? You have spent all the money on your credit card. Of course, the overdraft limit is too high. But as long as you have no bad record. Then it won't affect the loan. The loan mainly depends on your mortgage and your credit. However, if you apply for another card, it may be affected by the high debt ratio.

Question 2: How to calculate credit card debt/(income * base)

For example, a 1 10,000 yuan credit card will arrive the next day after repayment, and all the money in the card will be consumed on the third day. Then within 30 days of each month, only 3 days have 10000 yuan in the card, and the rest 27 days are in 0 yuan. Daily average 1 0,000 yuan, i.e. 10%. Debt ratio is 90%. Many banks are concerned about the average debt ratio of six months.

Question 3: Can credit cards be used normally during ICBC's loan processing? How much is the debt? Ask the bank or financial person to answer, and ask for help urgently. It is best not to use it. Bank credit inquiry is immediate (there will be no transition period).

Question 4: How to calculate the credit card debt ratio of all liabilities (including credit cards and loans)/(income * base)?

For example, a credit card with a line of 654.38+00000 yuan will be credited on the second day after repayment, and all of it will be spent on the third day.

Then within 30 days of each month, only 3 days have 1 000 yuan in the card, and the rest 27 days are in 0 yuan.

Daily average 1 0,000 yuan, i.e. 10%. Debt ratio is 90%.

Many banks are concerned about the average debt ratio of six months.

Question 5: How to calculate the credit card debt? 10 If it is a credit card of China Merchants Bank, please check the bill, which shall prevail.

1. Interest-free period refers to the period from the bank bookkeeping date to the due repayment date (interest-free repayment period ranges from 20 to 50 days) when the cardholder repays all the payable funds before the due repayment date (inclusive). 2. If you repay the full amount on time before the final repayment date, you can enjoy the interest-free period of credit card consumption without charging any fees. 3. The minimum repayment amount refers to the minimum monthly repayment amount, which is shown on the bill of the current month without application. Paying off the minimum repayment amount on time will not affect personal credit, but you cannot enjoy the interest-free period. All consumption in the current period will bear interest from the bookkeeping date, with a daily interest rate of five ten thousandths.

Question 6: How to calculate credit card debt information? The calculation method of bank inquiry debt ratio is: all liabilities (including credit cards and loans)/(income * base), while credit card debt ratio is generally calculated according to credit card usage limit/available limit. It should be noted that the credit card debt ratio is real-time and will be seen when the bank approves it. If it is high, it will affect the approval and withdrawal.

Credit card debt ratio, that is, the ratio of total liabilities to total assets, can reflect the comprehensive solvency of families. Asset-liability ratio = (total liabilities/total assets).

Reduce the credit card debt ratio

1, you can pay by installment. After the installment payment, the real debt will be hidden. Therefore, if you make the credit card bill into installments in advance, the credit card debt will look good.

2, timely repayment, because the credit card debt ratio is real-time, so you can pay the arrears in advance before the bill expires, so the credit card "debt" level will be very low.

Question 7: How high is the credit card debt? Please ask God to answer clearly what you said.

Question 8: As long as you have a credit card, is it a debt? As long as you don't owe money, you have no debt.

Question 9: My credit card debt is 5000 yuan, and my salary is 5000 yuan a month. Is that a big debt? . This is not a big debt. It only takes two or three months to pay off the credit card debt of 5000 yuan.

Question 10: How do banks view the debt ratio when approving credit cards? The debt ratio of credit card inquiry is based on the ratio of all debts (including loans and credit card debts) owed by credit card applicants in the bank to assets, with the debt ratio of the previous day as a reference. Debt ratio is real-time. A high debt ratio will affect the approval and withdrawal. During the examination and approval period, the liabilities should be as small as possible.

The debt ratio is not calculated by the proportion of the amount of card debt to the total credit line of credit card.

Therefore, when applying for a credit card, you should not only provide proof of payment, proof of property and proof of work, but also pay attention to the fact that the arrears during the approval period should not be too high, otherwise it will affect the issuance of credit cards, and even if the cards are issued, it will also affect the credit card quota.