The "c" in the credit report refers to the credit rating in the credit record, which is a comprehensive assessment of an individual's credit history, including personal loan repayments, credit card bank statement repayments, etc. Banks and financial institutions will use c as an important reference for personal credit ratings. The higher the c rating, the better the personal credit record, making it easier to obtain credit from banks and financial institutions.

In credit reporting, c not only plays an important role in loan applications and credit card applications, but can also affect personal renting, employment and even marriage. For example, when renting a house, landlords will be more willing to choose tenants with good credit records. By the same token, job seekers with higher credit ratings will be more competitive when applying for jobs.

In order to maintain our personal credit record, we need to use credit cards and loans rationally, avoid late repayments or arrears, and maintain a good credit record. At the same time, we can also understand our credit status by checking the credit report, take targeted measures to improve our personal credit rating C, and strive for more preferential interest rates and higher rates for our future loan and credit card applications. Credit limit.