The minimum repayment amount of credit card does not affect personal credit. As long as each installment is repaid on time, the bank's credit rating will be relatively high. Because even if the repayment is made on time, the bank interest will still be paid. As long as there is no overdue, there will be no bad record and the loan will not be affected, so there is no need to use the loan money to pay off the credit card debt.

No bank stipulates that the credit card debt must be paid off before the loan, but some banks will calculate the credit card debt as a liability when calculating the approval amount, so the loan amount will be reduced;

However, if the credit card is at the minimum repayment amount, it also means that the repayment ability is not very strong, and the bank will consider the repayment ability;

Remind that if it is overdue, even if it is paid off now, there will still be overdue records when you check the credit report, but the overdue time is counted as the date of payment.

Pay off the loan and credit card?

Generally, it is not necessary. Loans and credit cards belong to different credit businesses and do not affect each other, but banks will refer to some situations of credit cards when auditing.

1. repayment record: timely repayment is very important. Credit cards have a one-month interest-free period, and they should be repaid in time every month. Otherwise, there will be overdue fees, and the most important thing is to leave overdue records, indicating that the user's integrity or financial problems.

2. Consumption records: Consumption ability represents financial resources to a certain extent, and consumption ability can only be generated if there is repayment ability. If you can repay on time every month, it is likely to be a high-quality customer, and banks will generally be willing to lend you money.

Please refer to the audit results for the specific credit card maximum limit. In general, the fixed amount of Puka ranges from 65,438 yuan+0,000 yuan to 65,438 yuan+0,000 yuan.

For example, the credit card limit of China Merchants Bank is determined according to the information and credit status provided by the cardholder when applying, which is the maximum limit for the cardholder to overdraw consumption and withdraw cash. Available credit limit refers to the unused credit limit in your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.

Puka: 1 0,000-10,000, where there is no gold card, you can get 50,000;

When handling ordinary cards, the amount of ordinary cards is 1000 to 10000. As for the specific amount of your application, it is related to the adequacy of your information and credit information, but it is also within this range.

The highest Puka of Shanghai Pudong Development Bank is 10000 yuan.

Precautions for credit card use:

1, pay attention to consumption

In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.

2. Pay attention to quotas

Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.

3. Inquire about credit information

If the cardholder has met the conditions for withdrawing cash from the credit card, it is best to check the personal credit first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of cash withdrawal.

Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales, social needs and other characteristics. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.

Do I need to pay off my credit card before I can apply for a mortgage?

It is not necessary to pay off all credit cards when applying for a mortgage, but it needs to be paid off within the repayment time, that is, it cannot be paid back after the deadline. Because only overdue credit cards will affect all kinds of loans.

1. Information needed for mortgage loan.

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. Original purchase agreement

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number 1 copy.

Second, the loan method

1, equal principal and interest

The monthly interest repayment amount remains unchanged.

2. Average capital

Pay the principal first, then the interest.

Extended data:

First, the factors affecting mortgage loans

1, working nature

The nature of your job often reflects your income level and income stability.

There is less running water in the bank.

If the bank has less running water or less effective running water, the bank will think that you lack repayment ability.

3. Check the credit report frequently.

Do not frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and loan companies. As long as it is inquired, it will be recorded in the credit report.

4, debt is too high

The credit report will show your debt situation, such as credit card installment, car loan, part and so on. Too much debt will make the bank demand that your income also increase.

5. Buy a house.

The house purchased is also an important basis for banks to consider lending. Banks are more cautious about smaller and older houses.

Second, the loan purchase conditions

1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.