The high risk of credit card means that the customer's borrowing risk in the bank is very high, which is equivalent to being blacklisted by the bank. It is not easy to succeed in handling credit card-related business, such as applying for credit card withdrawal and large installment. As long as it is re-approved, it will be rejected in all likelihood.

and there are many reasons for the high risk of credit cards, such as serious overdue, personal debt ratio above 5%, excessive total loan amount, excessive loan amount (loans from three institutions), frequent card application, excessive age (over 5 years old), even white credit households, and frequent cashing, etc., which may be listed as high-risk customers by banks.

how to eliminate the high risk of credit cards?

judging the high risk according to the user's qualification and card use behavior can find a breakthrough from these two aspects.

1. In terms of personal qualifications, you must prove to the bank that you have sufficient repayment ability, at least reduce the high debt. If you fail to pay back after the deadline and have strong economic strength, you should submit sufficient capital proof materials to the bank, such as car products, real estate, receipts for wealth management products, life insurance policies, etc., so that the bank can know that you are not in debt and just pay back a small credit card.

second, in terms of card use behavior, the four words "standardize card use"+timely repayment, that is, spending during business hours, mostly by swiping cards at points merchants, diversified consumption scenarios, it is best to repay in full, with minimum repayment, and make contributions in appropriate stages. Besides timely repayment, you can also repay in advance occasionally.