Simply put, "comprehensive score" is a comprehensive quantitative evaluation of the borrower's qualification by the big data risk control system. There are many factors that affect it, such as the borrower's mobile phone number, sesame score, marital status, job position, income level, education, credit qualification and so on. After these scores add up, you are most likely to get a loan, otherwise, you will be rejected.

You can check your big data credit.

Open wechat and look for it casually: Feiyu check it quickly. Click Query, enter information and find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Where can I see the comprehensive score of Ping An Credit Card?

Ping An Credit Card Comprehensive Score can be viewed in Ping An System.

Credit card comprehensive score is the data obtained by integrating the personal situation of the cardholder. The score is lower than the holder's income, occupation, education and economic ability. People with stable jobs and high academic qualifications have higher comprehensive credit scores. In addition, having real estate under my name will also be the reason for high score evaluation. Simply put, the higher the financial ability, the higher the available credit cards and the higher the evaluation score.

When applying for a credit card, different card issuers have different requirements for users. For ordinary wage earners in Du Yu, it is difficult to get a high credit card, and at the same time, the application amount will fail, because the other party believes that the applicant does not have enough repayment ability.

Can you find the comprehensive score of the credit card? Where to check?

If cardholders want to know their comprehensive credit card scores in banks, they can conduct a comprehensive test through WeChat platforms such as "Card Quick Check", which covers six sections: risk score, withdrawal probability, wealth ability, consumption preference, credit card transaction analysis and overseas transaction analysis. It can intuitively list the user's current credit card risk score and let the user judge his current credit card comprehensive score. At the same time, through this information, users can also calculate the withdrawal probability of the current credit card. The higher the probability currently displayed, the greater the probability of quitting!

How to check personal comprehensive scores?

There is no way to check the comprehensive credit score. Comprehensive credit score is a statistical method. On the basis of past experience, comprehensively evaluate the future credit risk of consumers or small and medium-sized enterprises. Comprehensive credit score is mainly used in areas with small credit limit and high inspection cost.

1. The so-called "personal comprehensive score" is a comprehensive evaluation of the personal qualifications and past credit status of credit card applicants or credit card holders by banks. When applying for a credit card, some relevant information will be submitted, and the bank will evaluate the applicant's information, mainly including the applicant's age, education, household registration, marital status, housing and mortgage, work, income, debt, personal credit record and so on. , comprehensive score. If the comprehensive score is insufficient, the bank will refuse to issue the card.

2. The current situation of personal credit comprehensive score.

Personal credit score is a widely used method to evaluate personal credit risk in the world.

① In developed countries in Europe and America, professional credit scoring companies develop different credit scoring models according to the business needs of banks. This is because the business operation of each bank is different: from the choice of target customers to the level of customer service, the data on which each bank's development model depends is different. Have a scientific exercise method suitable for you, have a scientific awareness of health care, have good physical condition and hygiene habits, and be able to withstand the necessary pressure. Keep exercising every day and treat setbacks correctly. Love sports, good health, scientific exercise methods and necessary sports skills. Love sports, be healthy and positive.

Practice has proved that there are three breakthroughs in personal credit risk management, and each breakthrough will bring about 25% profit growth for banks. They are: credit scoring, automatic management system and decision optimization.

3. The lack of personal credit scoring technology has become the bottleneck of the development of consumer credit business of commercial banks in China.

At present, China's credit system is not perfect, and banks dare not take too much risks when they can't fully grasp the credit of lenders.

(2) Therefore, personal credit cannot be managed by enterprise loans, and the risk of consumer credit can only be assessed by collecting data and using quantitative analysis method (credit scoring model).

This is the end of the introduction on how to query the comprehensive score of credit card and how to query the comprehensive score of credit card. I wonder if you found the information you need from it?