How your credit record is not only directly affects your personal credit report, but also affects whether you can apply for credit cards and loans. If your credit record is very poor, even if you apply for a loan, the loan limit will not be very high. Banks are profit-making institutions after all. They will not foolishly do this business with you knowing that it may be a loss-making transaction. So how should we optimize our credit history so that we can successfully borrow or even get a very high amount of loan? After learning the following tips, it will be difficult to improve your credit record!

1. Reduce circular debt and make monthly repayments on time. A bank's personal credit score largely depends on the cardholder's revolving debt profile. Generally speaking, the smaller the revolving debt, the higher the personal credit score. Therefore, compared with those who insist on repaying their loans in full and on time every month and those who do not repay in full or on time every month, the former will of course have a higher credit score. If you hold multiple credit cards at the same time, one with a debt of 20,000 and another with a debt of 8,000, then it is recommended that you pay off the 20,000 bill first, then the 8,000, and try to ensure that most of the debt is paid off first. .

2. If the deadline is accidentally exceeded, the customer service phone number will be communicated in a timely manner. If you accidentally miss the deadline for repayment or fail to pay off the balance, be sure to communicate with the bank’s customer service on the phone and apply for the “time tolerance” service. Because now most bank credit cards can be regarded as on-time repayment if they are paid within 3 days after the latest payment date. Arrears of less than 10 yuan can be considered as full repayment. But everyone must communicate with the bank’s customer service in time, otherwise you won’t be able to enjoy the user-friendly regulations!

3. Handle installment business appropriately and optimize your credit record. If necessary, you can increase the bank's trust in you by applying for credit card cash or bill installment. Moreover, applying for installments can also relieve your repayment pressure to a certain extent, reduce the risk of overdue loans, and avoid bad records in your personal credit report.

4. Develop the habit of regularly checking personal credit records. Sometimes credit problems can be solved in time, but the problem is that many people are too lazy to check their credit records, or they don’t know if there is a problem. Know how to solve it as quickly as possible but miss the best time to solve it. Therefore, we must have the habit of regularly checking our credit reports. For example, branches of the People's Bank of China can provide personal credit inquiry services, and you can also go to the official website for inquiries. I think it is very necessary to check twice a year. After all, discovering the problem is the prerequisite for solving it!