A-grade (including A-grade) credit rating is good, that is, the credit rating is above 70 points. Generally speaking, when banks review personal credit records, borrowers with better credit ratings will easily pass the risk control review of most banks. The loan amount that banks offer to applicants is also based on the user’s credit score. The better your credit profile, the higher the loan amount you can borrow.

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How to increase your credit score:

1. Make full monthly repayments. A bank's personal credit score is primarily based on the cardholder's revolving debt profile. Generally, the smaller the revolving debt, the higher the bank's personal credit score. That is, a partner who consistently pays the full amount on a credit card each month will definitely have a higher credit score than a partner who only pays the minimum or less than the full amount each month.

2. Don’t be afraid of late deadlines, communicate by phone. If you accidentally miss the latest payment date or fail to pay off part of the balance, you must communicate with the customer service of the card issuer in a timely manner and apply for the "time tolerance" service. At present, for most bank credit cards, repayment within 3 days after the latest payment date can still be considered as on-time repayment, and the amount owed within 10 yuan can be considered as full repayment, but the application must be communicated with customer service in time before it can take effect.

3. Make timely repayments. After paying off their credit card balances, many people rush to cancel the credit cards as if they were throwing a hot potato away. In fact, this is meaningless for improving personal credit scores in banks. Because historical credit history is also a factor in credit scores, keeping old accounts that are fully paid can highlight the cardholder's stable and good credit history.

4. Make good use of installment plans to improve your credit score. If necessary, applying for credit card cash installment or bill installment and paying the bank a "handling fee" can significantly improve the bank's "impression score" of you. This way it will be easier to apply for a card or raise the limit later. Moreover, installment can also alleviate financial pressure to a certain extent, reduce overdue risks, and naturally avoid points deductions.

5. Check more records and handle them in a timely manner. Many times, the problem of credit reporting is not that it cannot be solved, but that the time for solving it is missed.