Getting a credit card is a shortcut to establishing a credit card. Many people think that using credit cards can improve personal credit information. This can only be said to be uncertain. It depends on how you use your credit card. Poor use will not only hinder the improvement of personal credit information, but will make personal credit information worse. Let's find out.

Can credit cards improve personal credit reporting?

Many things in the world start from scratch, and so does personal credit reporting. Although everyone is registered at birth, credit information is not available to everyone. You know, personal credit information is called a symbol of economic status, that is to say, it can only be established through some financial activities, otherwise it is a white household, and the most basic way is to use a credit card.

Therefore, for white families, using credit cards can establish personal credit information. As for whether it can be improved, the key depends on the behavior of using the card. If everyone can use the card according to the credit card contract, there is basically no big problem, but once there are some bad behaviors and habits when using the card, you have to pay attention, and your personal credit may fall instead of rising.

1. Inconsistent use of credit card funds: credit cards can only be used for daily consumption, and it is forbidden to flow into real estate, investment, wealth management and other fields. If the bank's risk control system detects abnormal transactions, it is likely to take measures to stop payment and the credit card will be blocked or frozen. At that time, the personal credit information will record the stop payment status, and these records will be considered as bad credit information.

2. The average credit card usage is high: At present, there are nearly six average credit cards for personal credit investigation. If the utilization rate of the monthly credit line is too high, accounting for 80% of the credit line, it is obviously problematic to repay the loan every month without increasing the income. It is also not conducive to the improvement of personal credit information.

In addition, there are cardholders whose credit cards are overdue, who frequently apply for cards and loans in a short period of time, and the debt ratio exceeds 50%, which will also affect the improvement of personal credit information. To this end, cardholders must use their cards carefully and try to avoid those bad card use behaviors.