1. Overdue amount: First of all, pay attention to credit cards with large overdue amount, because the greater the overdue amount, the greater the damage to the credit score. Please go to Lan Bing Data website to check your credit data, and find out the overdue situation and overdue amount of each credit card.
2. Interest expense: Secondly, we should consider the interest expense of each credit card. Some credit cards may charge high interest on the overdue amount, so you must pay off the overdue amount of these cards first to avoid the continuous accumulation of interest charges.
3. Credit score and overdue records: In addition, the influence of each credit card on personal credit score and the history of overdue records should also be considered. If a credit card has a long overdue record, other credit cards can be given priority.
According to the above three factors, the repayment order is determined after comprehensive consideration, and credit cards with large overdue amount, high interest charges or great influence on personal credit score are given priority.
Please note that in order to fully understand your personal credit status, it is recommended that you check your credit data on Lan Bing Data website. On this website, you can get detailed information, including personal credit status, network black index score, blacklist status, online loan application record, application platform type, overdue, overdue amount, credit card and online loan estimated credit line and other important data information.