1, reducing the number of queries. When you are in urgent need of money, you must have ordered a lot of loan applications, including credit card approval, on major platforms for one day or several days in a row, so there will be a lot of inquiries about your credit information, which is very unfavorable to bank loans in the later period. At this time, we must refrain from taking any loans in recent months.

2. Reduce the number of loans. At present, the amount of online loans on the market is not particularly high, generally between several thousand and twelve thousand. Some large institutional platforms, such as Baidu, Xiaomi and Alipay, will have a slightly higher quota. If you want to get your credit information back and pay your salary every month, you must find ways to settle these small loans as soon as possible. If there is a credit card, the credit card limit should be kept below 80%, that is, the limit is 1 10,000 yuan, and the limit cannot exceed 8,000 yuan.

3. Don't mess with advertisements. Now the Internet technology is too developed, especially the intelligent push of big data. When you often browse some loan advertisements, the major platforms of the system will automatically push some loan products to you. Just when you need it, you can't help but click on these advertisements. After you leave your information, some of them contain some invisible protocols such as credit authorization inquiry, which will make your big data spend.

First, there is personal information in the credit report. Many people may apply for credit cards in different ways, resulting in more personal information records. If this is the case, I suggest you unify your information and contact customer service to modify your personal information.

Second, and finally, don't apply for online loans unless you have to. Online lending is very harmful to credit reporting. Among the reasons why many cardholders are rejected, there are online loan records in the credit information. If you apply, timely repayment will have little impact on credit reporting. If the audit fails, you will still apply frequently and check a bunch of records, which will be harmful to the credit investigation.

Third, in addition, we should also pay attention to:

1. Develop the habit of regular self-inspection and credit reporting. Once there is a problem with the credit information, handle it in time and report it for correction, so as not to cause other troubles.

2. Huge debts. Banks' personal rating of customers is largely based on the debt cycle. The smaller the total debt of the cycle, the higher the rating. Paying off large debts as soon as possible can avoid certain risks.