9 credit cards with a limit of ***200,000, what is the credit rating?

There is no necessary correlation between the number and limit of credit cards and your credit score, so you cannot tell what level your credit score is.

1. 9 credit cards with a limit of 200,000 yuan. The average limit of each credit card is more than 20,000 points. Under normal circumstances, the credit card issuer's limit for new cards is usually at this level, so There is nothing to say, because applying for a credit card is not difficult in the first place, as long as you have a relatively stable job.

2. Applying for a credit card does not mean that you cannot apply if your credit record is not good. Although the bank will use the credit record as a reference for issuing credit cards and it will also be an important indicator when setting the limit, but from now on Looking at the actual situation, many credit records have bad records. For example, people with overdue repayments on their credit card records can still apply for new credit cards. From this point of view, the number and limit of credit cards cannot represent a person's credit rating.

3. One last thing, is having 9 credit cards too many? According to predictions from relevant agencies, it is expected that by this year, the total number of credit cards issued by various card issuers will be approximately 900 million, which means that the average number of credit cards held by Chinese people is about 0.64, while the average number of credit cards held by Americans is 6, so 9 There are really too many cards. If you activate them all, using so many cards will waste a lot of time on card management every month.

So, let alone 9 credit cards, even 19 does not mean anything, because the normal situation is like this. Most people with a somewhat stable job can apply for many credit cards. It's just not necessary.

#Financial Management Competition Season 3# Hello friends, as the title states, 9 credit cards have a limit of 200,000 yuan.

From the perspective of personal credit status, it is very average. . And we face many uncertainties in credit reporting and risks.

First, let’s analyze his personal credit situation:

1. 9 credit cards. With credit cards, more is not always better. The reason why there are 9 credit cards is probably related to the promotion of credit cards in previous years.

2. The total quota is ***200,000. Obviously if the average is calculated: 200,9 cards = 22,200 yuan (the average limit of each card). Obviously, the credit card limit is very low, which means that it is difficult for individuals to increase their limit in terms of income or in some aspects.

Summary: There are a lot of credit cards. It may be related to personal income or other actual circumstances, frequency of credit card use, amount used, etc.

Secondly, you face some potential risks:

1. Spend energy. Managing 9 cards takes up time and is prone to errors. If you don't use it, it will be difficult to increase your quota or play its role.

2. Risk of chain reaction. Once one card is overdue or defaulted, all nine credit cards will be affected and the chain will be broken.

3. Other risks. For example, risks caused by too many credit cards, especially credit inquiries on financial activities, too many credit cards and usage records will cause risk control alerts.

Summary: Facing many potential risks. Of course, if you have a large and stable income, it's a different matter.

In summary:

9 credit cards with a total limit of 200,000. The average number of each card is only 22,000. Obviously, from the perspective of credit card limit and quantity, the situation of no credit is very average. If you want to increase your quota in the future, it will be difficult and you will face many potential risks.

You can consider overall management, choose 1 to 2 credit cards, maintain good use and credit, increase the limit, maintain normal and good records for other cards, and gradually clean up. In this way, it is more conducive to

improving your personal credit and making your credit report more stable.

The total limit of the 9 credit cards is only 200,000 yuan. It can be clearly seen that your personal qualifications are not very good and your debt ratio is too high!

If your current credit card is full but not spent, your personal credit report is in excellent condition.

If the credit limits of nine credit cards have been used up, including the utilization rate of the credit limit, which exceeds 80%, the personal credit report belongs to a high-risk group, and the debt ratio is high and the repayment ability is uncertain.

If only 50% of the credit limit of the nine credit cards is used and the remaining 50% of the credit limit is unused, and none is overdue for more than 90 days, the personal credit report is considered excellent.

If you have nine credit cards, and the nine credit cards are overdue intermittently, your personal credit score is poor, your repayment awareness is poor, and the probability of default is good, and you are a medium-low risk user.

If a certain credit card appears to be overdue for more than 90 days in the personal credit report, the personal credit report belongs to a high-risk group. There is a high probability that the nine credit cards held by the card holder will be unable to repay on time. The risk of large changes in income is extremely high.

It is not recommended that the general public apply for too many credit cards, because too many credit cards will significantly increase the debt ratio, and the credit limit of a single credit card will be getting lower and lower, and the management will be very troublesome, which can easily cause certain problems. A credit card payment is overdue!

In fact, it is more reasonable for us ordinary people to have 3-4 credit cards. If we feel that the credit limit is not enough, we can basically increase the credit limit by diversifying consumption for 3-6 months.

The credit limit of 9 credit cards is 200,000, which is an average level of credit. The total credit limit of an ordinary person is about 200,000. A person normally holds 4 to 5 credit cards, each of which averages 50,000. The credit report for your credit limit is pretty good. The average credit limit of your 9 credit cards is over 20,000 and below 25,000, which is average.

Hello, I am a small coffee maker from Zhongyuan.

First of all, you have a relatively large number of credit cards. 9 cards total 200,000. The average number is more than 20,000 per card, which is not too low.

Secondly, the quality of your credit report cannot be determined solely by the number and limit of credit cards. The quality of your credit report depends on whether you are overdue, whether your debt ratio is high, the size of your assets, etc.

p>

In short, the evaluation criteria for credit information are multi-faceted and cannot just look at the number of credit cards and credit limit.

Nine credit cards with a limit of 200,000, which is not high or too much.

I have 20 bank credit cards with limits exceeding 1 million. I don’t think I have many credit cards with high limits. There are still many people around me who have more credit cards and higher limits than me.

As for the level of your credit report, it does not depend on how many credit cards you have or how much limit you have.

Whether your credit report is good or not mainly depends on the following aspects:

Overdue status

During the process of using your credit card, are you repaying your credit card on time? Are there any currently overdue? Are there many overdue times? These overdue records will seriously affect our credit report.

Query records

When we apply for a credit card or loan, a credit card or loan approval record will be displayed on the credit report. If there are too many recent approval records, it will affect our Credit reference.

Credit card used limit

The credit report will show the credit card used limit. When the ratio to the total credit card limit exceeds a certain amount, it will be considered to be a high debt.

Average credit card usage limit in the past six months

It should be said that the credit card usage limit in the past six months more intuitively shows our recent debt situation. After all, we can reduce the used limit of a credit card by paying off a large amount, but the average usage limit in the past six months cannot be reduced easily.

Therefore, the number of credit cards and the total amount are not the most direct impact on our credit report. Whether the credit report is good or not depends on how we use the credit card.

This proves that credit card holders have been recognized and granted credit by multiple banks!

Before getting 9 credit cards and a limit of 200,000, this person’s credit report was very good!

After obtaining 9 credit cards and a limit of 200,000, the credit score of the credit card holder is still excellent. When using your credit card normally, you must protect your credit and never overdue your credit card.

In particular, when applying for some bank loans and financing, the credit card holders are more likely to be approved by the bank than those without credit cards.

On the other hand, the credit card holders of this credit card are more recognized by relevant institutions and individuals than those without loans or credit cards!

1. Having 9 credit cards and a limit of 200,000 only shows that you are not a free person. There are many credit cards, but the total credit limit is not high;

2. As long as it is not overdue, your credit report is normal;

3. For credit card usage liabilities, look at the average usage limit in six months. If it exceeds 80% of the total credit limit, the credit card debt is considered to be too high. It has an impact on applying for credit cards and loans.

4. In addition to liabilities, credit records also look at institutional inquiry records, overdue records, etc.

5. Spend rationally and cherish your personal credit record!

Hello, Futures Xiaochu, as an old man who has been engaged in the financial industry for more than ten years, is a national financial planner, and a credit card expert. At most, he holds more than a dozen credit cards. He has many years of experience in financial management and credit card use. Just a quick answer to your question.

First, let’s look at the concept of credit reporting.

Credit reporting means collecting, sorting, preserving, and processing the credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing services such as credit reports, credit evaluations, and credit information consultation to help customers judge and control credit. Risk, credit management activities.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.

In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.

Secondly, the related concepts of credit cards

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

A credit card can simply be understood as the right to use a short-term loan.

The third return to this question is "9 credit cards, limit ***200,000, what level is the credit report?"

There is no inevitable relationship between the number and limit of credit cards and the credit report. It is related, so it is impossible to tell what level the credit report is at.

However, a personal credit report will record all credit card information and limits, as well as whether there are any overdue situations. If your credit card has been overdue in the past 2 years, your credit report is equivalent to a stain.

If you apply for credit cards on a large scale at the same time, the inquiry records of each bank will be left in the credit inquiry. This must be remembered.

Futures Xiaochu reminds everyone that credit cards are a double-edged sword, which depends on how to use them, use them rationally, and plan them appropriately

Credit reporting is mainly related to the use of your credit cards and loans. Since the information you provided is limited, you can refer to my personal opinion.

First: Debt ratio, 200,000 credit card, overdraft limit does not exceed 100,000, the debt ratio shown by the credit report is good. An overdraft of RMB 100,000 to RMB 160,000 means the debt ratio is medium. If the overdraft exceeds RMB 160,000, the debt ratio is high. (Only credit cards)

Second: The number of inquiries, recent credit card approvals, and loan approvals, the fewer the better

Third: Overdue, this is very important. The number of overdue payments is small, there are no consecutive 3s and 6s, the overdue amount is small, etc.

Fourth: Credit information update status (mainly work information and residence information). In the eyes of banks, stability means long-term work and living in the same place.

You can apply for a credit report for reference. Personal inquiries are not counted in the number of credit inquiries.

Is it legal to charge a handling fee of 100,000 for a Bank of China 200,000 credit card?

Is it not legal? According to official data from the Bank of China, the handling fee charged by the Bank of China for a credit card worth RMB 200,000 is 2%. Charging RMB 100,000 is illegal and can be handled by the police. A credit card, also called a credit card, is a card issued by commercial banks and credit card companies. Its main function is for overdraft consumption.

How to apply for a large-limit credit card?

For many cardholders, the higher the credit card limit, the greater the amount of overdraft consumption, so more and more people are looking forward to it. A credit card with a large limit. However, dreams are beautiful, but reality is too harsh. Large credit cards are not something you can just apply for. However, as long as you master some card application skills, you still have a chance to apply.

First of all, let’s understand what a large-limit credit card is.

As the name suggests, large-limit credit cards refer to credit cards with high limits. So, what is the maximum limit? Here, we have to start with the level of the credit card. After all, different credit card levels have different limit ranges.

Credit cards usually have regular card, gold card, platinum card, diamond card, unlimited card and other levels. The limit of regular card generally does not exceed 10,000 yuan, the limit of gold card is between 10,000 and 50,000 yuan, and the limit of platinum card is between 10,000 and 50,000 yuan. The starting credit limit for credit cards of levels above is 50,000 yuan.

It can be seen that large credit cards usually refer to platinum cards and above.

So, how can you apply for a large-limit credit card?

1. Submit substantial proof of financial resources:

For large credit cards, the choice of bank is irrelevant. The key lies in whether the property certificate complies with the bank's regulations. Proof of financial resources generally refers to proof of real estate, cars, financial products, etc. in one’s name.

Take Minsheng Bank as an example. Its large-deposit credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

2. Apply for a card with a card

Applying with a card is the most effective way to get a large credit card. Many cardholders use a credit card that has been used for a long time. As proof of financial resources, you can obtain a credit card with a larger credit limit. Of course, there are still conditions for applying for a card with a credit card.

Taking Minsheng Bank as an example again, cardholders who want to apply for a card must have a credit card with a limit of more than 40,000 and have been used for more than half a year before they can get a standard platinum card. To apply for a deluxe platinum card, you need to have a credit card limit of more than 80,000, and for a diamond card, you need to have a credit card limit of more than 150,000.

Tips for successfully applying for a large-limit ICBC credit card (debit card)!

Beautiful skins are all the same, but you are the only interesting soul. But no matter you have a beautiful skin or an interesting soul, you are helpless when you encounter "poor".

The end of the year should be the time for everyone to review the general ledger. After a year of hard work, are we getting further and further away from the goals we set at the beginning of the year?

The first thing that comes to mind when there is a shortage of funds is, of course, borrowing money. But after all, everyone is a gangster, and they don’t want to lose face. The key point in this society is that everyone seems to be the “negative” second generation, and they can’t talk to anyone. So the emergence of credit cards (debit cards) is not so in line with the trend. When funds are tight at the end of the year, relying on credit cards (debit cards) to increase your limit may be slow and cannot save you in a temporary emergency. At this time, applying for a card is more reliable and realistic.

Among the many banks, ICBC, known as the “No. 1 Bank in the Universe”, is the one that has been criticized the most by many cardholders when it comes to applying for a card. I left a message: Apparently other banks’ credit cards (debit cards) are not I have purchased several of them, but I have not conquered ICBC yet. So today Xiaoxue will summarize the tips for applying for an ICBC credit card (debit card).

Card friends have many nicknames for ICBC, such as "Universal Bank", "Baicai Card" and "Auntie Bank". Where did these nicknames come from?

The first line of the universe.

ICBC is the bank with the largest market capitalization today, the largest bank in terms of customer deposits and the most profitable listed bank, with branches all over the streets. Let’s take a look at the English abbreviation of ICBC. We often jokingly call it “love or not”. It shows its domineering attitude and is well-deserved to be called the first bank in the universe.

Cabbage card.

The ICBC credit card (debit card) has this nickname because there is a peony flower on the card, which looks like a cabbage at first glance. More importantly, The thing is that many people apply for very low credit cards, ranging from a few cents to a few hundred. Credit cards (debit cards) are also called cabbage cards.

Okay, aunt.

The origin of Auntie is because most of the counter tellers at ICBC are middle-aged women. In order to express their "love" for ICBC, customers call ICBC "Auntie Bank".

After understanding the past and present life of ICBC from these nicknames, let’s learn how to apply to avoid tedious credit reporting to the greatest extent? Here’s what you can do:

I’m afraid that I won’t be able to apply for the first credit card, which will mess up my credit score. If the card cannot be approved due to credit problems and your credit needs to be repaired, you can contact me. I also have many tips for applying for a credit card (debit card), maintaining a card, and increasing the credit limit. You can apply for a single-currency card first. The following are recommended, and you can generally participate in ICBC’s major events.

Peony MasterCard Standard Platinum Credit Card (credit card): referred to as ICBC Black and White Credit Card, with 2 accounts, it is the veteran of ICBC Platinum and has just been "re-launched".

ICBC Zodiac Card: UnionPay single currency, with time tolerance, this is very important. For ICBC cards that do not have time tolerance, if you forget to repay for one day, the penalty and interest will not be too much. As for whether the credit report will be submitted one day later, it is not yet certain. Just apply for one. The Constellation Card is multi-currency, as is the Endeavor Card and the airline co-branded card.

Banks have sufficient funds at the end of the year, and the review process for card applications is generally relaxed. Let me teach you a few tips on how to successfully apply for a large-limit ICBC credit card (debit card)!

ICBC is a bank that values ??assets and liquidity. Of course, the same goes for several other banks. After all, no bank is willing to put its golden beans in the pockets of "poor people", just in case they can't get them out, are you right? Therefore, assets and turnover have become important supporting materials for you to apply for a card. Generally, if you have these two, it will not be a problem to get the card approved.

Transaction:

The so-called "transaction" is your transaction information, commonly known as spending money and not controlling it! The more you spend, the transaction flow will naturally accumulate. You can say, I don’t even have any money, so what should I spend? But Xiaoxue wants to say, if you can’t bear the child, you can’t trap the wolf. Do you still want a large-value card?

Method:

Buy ICBC financial products, adhere to the principle of "buy more when you have more money, buy less when you have less money", and accumulate turnover according to the principle of buying and selling.

It is also possible to buy a clean machine that operates smoothly. By doing this, when you go to your mobile banking to apply for a card, the pre-approval limit for your credit card (debit card) will be available.

Assets:

In addition to your cars, houses and deposits that can be pledged, if you want to apply for a large-value card, you also need to do this.

If you want to apply for a credit card with a limit of 200,000 yuan, you need to prepare 100,000 yuan yourself. Of course, this is not enough. You also need to crowdfund 900,000 yuan. (In one day), deposit a total of 1 million fixed deposits into ICBC. One day later, you can borrow 900,000 first, and then you can wait for the invitation information for large-amount credit cards (debit cards). The limit is usually It is twenty to thirty percent of the fixed deposit amount. Well, it’s time to compete for strength and popularity.

This ends the introduction about applying for a 200,000 credit card and how to apply for a 200,000 credit card. Have you found the information you need?