The debt ratio inquired by banks is calculated according to all liabilities (including credit cards and loans)/(income * base), while the debt ratio of credit cards is generally calculated according to the used credit line/available credit line. It should be noted that the credit card debt ratio is real-time and will be seen when the bank approves it. If it is high, it will affect the approval and withdrawal.

Credit card debt ratio, that is, the ratio of total liabilities to total assets, can reflect the comprehensive solvency of families. Asset-liability ratio = (total liabilities/total assets).

Reduce the credit card debt ratio

1, you can pay by installment. After the installment payment, the real debt will be hidden. Therefore, if you make the credit card bill into installments in advance, the credit card debt will look good.

2, timely repayment, because the credit card debt ratio is real-time, so you can pay the arrears in advance before the bill expires, so the credit card "debt" level will be very low.