Credit card comprehensive score refers to the bank's evaluation of the applicant's comprehensive credit according to the information provided by the credit card applicant, using a fixed scoring system, such as the nature of the unit, education, housing situation, annual salary, marital status, number of dependents, etc.
First of all, in the face of the lack of comprehensive credit cards, we should do the following:
1, credit history is the most critical. No matter what business you go to the bank for, the bank attaches great importance to the applicant's personal credit record. Therefore, card friends must develop good repayment habits and maintain a good credit record.
2. Pay off the large debts first. If you have accumulated more debts before, it is suggested to pay off the large debts first, and then pay off the small debts, which will reduce the amount and have a slight impact on the credit score, which may be higher than your score of not paying off at all or paying off a small amount first.
3. The historical credit record in the credit score is also an influencing factor. Keeping the history of paid-off accounts can show the bank a long-term good credit record. Therefore, card friends should not rush to cancel after paying off their debts.
4. Make good use of the time tolerance. If you accidentally forget to repay, you must contact the customer service of the issuing bank in time to apply for the time tolerance service within the "time tolerance" of the bank to avoid overdue.
5. Make good use of installment and minimum repayment amount. If you can't pay off the credit card bill at one time, installment and minimum repayment amount are good choices. On the one hand, it will not cause overdue, on the other hand, the "installment fee and interest" given to the bank will allow the bank to add points for you.
Second, the credit score is insufficient, that is, the credit information is spent or hacked, that is, the personal credit information has bad credit records such as overdue and default in the last six months, or the credit information has been "hard-queried" too many times. You need to ensure that your credit record is good, and you will repay your credit card or loan (including mortgage, car loan and consumer loan) on time at least in the past six months. In addition, don't check the credit frequently.
Third, the information authenticity score is insufficient, that is, when applying for a loan, the personal information filled in is incomplete, untrue, or inconsistent with the information in the relevant database. Some friends apply for loans to provide false information or are packaged. Generally, small loan companies will have professionally trained risk control audits. Packaged customers generally have some small details, which can be found by careful risk control departments, leading to direct rejection. When applying for a loan, you need to fill in your real information. Required items must be filled in, and optional items should be filled in to ensure the integrity and comprehensiveness of personal data. Insufficient credit rating means that due to insufficient bill consumption of the applicant or other circumstances, the system cannot evaluate the high credit exceeding the loan product limit. It is suggested to match the appropriate online loan products according to your actual situation, or appropriately adjust the loan amount you apply for to ensure smooth lending.