Question 1: How do you look at the debt ratio when a bank approves a credit card? The debt ratio for bank approval credit card inquiries is based on the ratio of all the credit card applicants' arrears with the bank (including loans and credit card arrears) and assets. Previously, One day’s debt ratio is used as a reference. The debt ratio is real-time. A high debt ratio affects the approval and the amount increase. Try to minimize the amount owed during the approval period.

The debt ratio is not calculated by using the ratio of the card debt amount and the total credit limit of the credit card as ordinary people understand.

Therefore, when applying for a credit card, in addition to providing proof of receipt, property, and employment, you must also pay attention to the fact that the debt during the approval period should not be too high, otherwise it will affect the credit card application. Will affect the credit card limit.

Question 2: How to calculate the credit card debt ratio of all liabilities (including credit cards and loans) / (income * base)

For example: a credit card with a limit of 10,000 yuan, after repayment It was credited to the account on the second day and all consumed on the third day.

Then within the 30 days of each month, there are only 3 days when the card has 10,000 yuan, and the remaining 27 days have 0 yuan.

The daily average is 1,000 yuan, or 10%. The debt ratio is 90%.

Many banks focus on the six-month average debt ratio.

Question 3: My credit card debt ratio exceeds 90%. Can I apply for a credit card? Excessive debt may lead to failure to apply for a credit card;

1. Bank credit card Application conditions

1. The applicant is between 18-60 years old;

2. Have a stable job and income;

3. Personal credit record good.

2. Bank credit card application materials

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a military ID card Copy;

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal) , or a copy of the work permit/plate;

3. Proof of financial resources: It can be a bank salary record, or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/ A copy of your car driving license/bank time deposit receipt) and other documents that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

Question 4: Credit card debt ratio The debt ratio is as of the bill date, that is, before. If your personal credit report lags behind to a certain extent, you should know how much credit has been credited to you later.

Question 5: Can a borrower with a high credit card debt ratio but good credit not be able to apply for a loan? If the borrower is doing a pledge loan or a house mortgage loan, the debt requirements are not high

But if the borrower takes a loan If the debt exceeds 80% of the credit limit, a Zhedai credit loan is not allowed.

Question 6: How to calculate the debt ratio of credit cards? Chinese residents and foreigners legally residing in China who are over 18 years old, have full capacity for civil conduct, have good credit and have legal and stable sources of income, You can apply for a Postal Savings Credit Card personal card master card from the card issuing bank with your valid identity document recognized by the public security department and other supporting documents or information specified by the card issuing bank. When the main cardholder of a personal card applies for the main card, he or she can apply for supplementary cards for designated persons over 16 years old. Each main card can apply for up to 4 supplementary cards

Question 7 : In the credit report, is the debt ratio calculated based on the bill? In the era of big data, banks can already see your average daily debt ratio for three months.

Question 8: Can I get a loan if I have a high credit card debt ratio? It is definitely possible, dear. But it adds a bit of difficulty. You might as well pay attention to Ali Qian on WeChat and apply for it.

Question 9: Can applying for credit card installments reduce the debt ratio? 5 points Hello, the debt ratio is the ratio of your personal loan and credit card debt divided by your personal assets in the bank.

Asset-liability ratio = total liabilities/total assets × 100%.

The more unpaid balance remaining on a credit card, the higher the debt ratio.

Installment repayment cannot reduce the debt ratio.

Question 10: Can I apply for a credit card from another bank if my credit card debt ratio is high? As long as it is not overdue, I can apply. I have 7 credit cards, with a total overdraft of more than 100,000, but they are all repaid on time. No Overdue, the card I recently applied for was approved for a limit of 40,000. As long as the card record is good, there will be no problem