The high risk of credit card means that the customer's borrowing risk in the bank is very high, which is equivalent to being blacklisted by the bank. Handling credit card-related business, such as applying for credit card withdrawal and large installment, is not easy to succeed. As long as it is re-approved, it will be rejected in nine cases out of ten.

Moreover, there are many reasons for the high risk of credit cards, such as serious overdue, personal debt ratio above 50%, excessive loan amount, excessive loan amount (loans from three institutions), frequent card handling, excessive age (over 50 years old), even white credit households, frequent cashing, etc., which may be listed as high-risk customers by banks.

How to eliminate the high risk of credit card?

Judging high risk according to user qualification and card use behavior, we can find a breakthrough from these two aspects.

First, in terms of personal qualifications, you must prove to the bank that you have enough repayment ability, at least to reduce high debts. If it is overdue and has strong economic strength, it should submit sufficient proof of funds to the bank, such as receipts for automobile production, real estate, wealth management products and life insurance policies. Let the bank know that you are not in debt, but only paid a small credit card.

Second, in terms of card use behavior, the four words "standardize card use"+timely repayment, that is, spending during business hours, mostly swiping cards at points merchants, and the consumption scenarios are diversified. It's best to repay in full, with the minimum repayment amount and appropriate installment. In addition to timely repayment, you can occasionally repay in advance.