The number of credit cards should not be too large, and the amount should be appropriate. Consumers who are keen on using credit cards usually apply for credit cards from various banks. Credit cards are used for the smooth turnover of consumption and funds. Under normal circumstances, the number of credit cards should not be too much, and 2-3 cards are appropriate, so as to avoid too many credit cards, miss the repayment period of one card in use and management, and bring unnecessary credit record losses.
In addition, when applying for credit card limit, we should comprehensively consider income, consumption and other factors, and do not exceed the repayment plan. Please specify the repayment date and bill date and make a reasonable plan. Consumers are advised to set repayment reminders on mobile phones, computers and other electronic products to avoid missing the repayment deadline. Check the consumption records regularly, plan and adjust the future consumption in time to prevent the consumption amount from exceeding the repayment ability.
Extended data
The punishment mechanism of personal dishonesty is the last protection mechanism of the credit information system. Only by increasing the illegal cost of personal dishonesty can we better improve the personal credit information system under the background of the Internet. On the one hand, through the establishment of a "blacklist" system for personal dishonesty, personal credit will be rated regularly, and individuals who fail to meet the standards will be punished.
Credit rating is not immutable. If the individuals in the "blacklist" perform well, they can be removed from the "blacklist" and a flexible mechanism can be adopted to ensure the authority of the system.
Improve the appeal mechanism of personal dishonesty. There is an error in the characterization of dishonesty to a certain extent, and a complaint mechanism can be established. If an individual thinks there is something wrong with the rating, he can appeal in time. The object of appeal can be rating websites or government agencies, so as to ensure the rationality of the punishment mechanism for dishonesty.
People's Network-Cherish Personal Credit Records
People's Network-How to Establish an Internet Personal Credit Information System