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A Xiao Huige says card
Hello, everyone, I am Xiao Huige who has been playing card games for 6 years, focusing on solving the intractable diseases of credit cards and not mentioning them!
At present, most people have credit cards in their hands. It is a common occurrence that credit cards are reduced in value due to unreasonable use. Many of them are found to have been reduced in value just after they have paid back the money, for example, credit cards like Ping An Bank. This is the risk control of the bank. There are several reasons for this phenomenon:
First, the debt is too high. If the post-loan management finds that users use a lot of credit cards or online loans, and the debt ratio is very high, they will be easily downgraded by credit cards. In this case, you can only plan your debts reasonably, and try not to use online loans.
second, there are too many application records. If you apply for credit cards and loans frequently within six months, especially if you apply for small loans many times, whether you pass the examination or not, you will judge such users as poor money, and their financial situation is very poor. This is because the bank will reduce the amount of users for its own consideration, fearing that users will cause losses to themselves after the deadline.
Third, improper operation was used when using the card. If you use your credit card, the way you often swipe your card for a long time is particularly rude, and the quality of the merchants who swipe the card machine is not good, it will have a negative impact on yourself. Some people will use credit cards as ordinary bank savings cards. Tens of thousands of cards are swiped only two or three times. This kind of consumption doesn't look like real consumption. Therefore, we must pay attention to choosing the right card swiping machine and adding professional card swiping posture.
fourth, there are bad records on personal credit information. If there are other credit cards or online loans overdue in your credit report, the bank card will reduce the amount or seal the card to protect itself when it thinks there is risk when inquiring about credit. If we want to solve this problem, we must work hard to make money, so as not to make the arrears overdue. We can work hard to engage in sideline business at the same time, and we can increase our income.