1. The debt ratio inquired by the bank is calculated as follows: 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.

2. The asset-liability ratio is the total liabilities in the balance sheet divided by the total assets, which is a ratio and reflects the company's long-term solvency. The greater the asset-liability ratio, the worse the long-term solvency, and vice versa.

Extended data

Credit card characteristics

1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal.

2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.

3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

It is a high-tech product integrating financial business and computer technology.

Refer to Baidu Encyclopedia-Credit Card

Refer to Phoenix.com -3 easy ways to reduce credit card debt!