The new version of the credit report increases the repayment amount, and banks can judge the repayment ability of cardholders from the monthly repayment amount. Therefore, cardholders who often repay according to the minimum repayment amount should pay attention, which is easily considered by banks as poor repayment ability.
After all, those who really have good repayment ability will basically not repay according to the minimum repayment amount, or only occasionally pay it once or twice. If the monthly payment is made according to the minimum repayment amount for three consecutive months, it is obviously a manifestation of insufficient repayment ability, and it is necessary to rely on the minimum repayment amount to alleviate the repayment pressure.
Most importantly, although the minimum repayment amount will not be overdue, it will generate interest. From the date of consumption, the daily interest rate is 0.5% until it is fully paid off. If the minimum payment is made every month, the interest will roll up, which will easily lead to overdue.
Therefore, in order to avoid a large number of overdue phenomena caused by the excessive amount of cardholders, banks will take credit card relief measures for cardholders who often repay according to the minimum repayment amount.
Extended data:
Different banks have different credit card limits. Usually, bank credit cards are divided into ordinary cards, gold cards, platinum cards and other levels. Generally, the credit card limit is within 6,543,800 yuan, the gold card limit is about 6,543,800 yuan+0-50,000 yuan, and the platinum card limit is more than 50,000 yuan. Therefore, if we want to apply for a high-grade credit card, we can choose a high-grade credit card. However, the higher the credit card level, the higher the requirements for applicants. Credit cards of the same level usually have different credit limits for different applicants. The specific credit line that can be applied for is determined by the bank after comprehensive evaluation of the applicant's income, financial resources and credit. Different applicants have different qualifications and apply for different credit card quotas.