Will microfinance affect bank credit?
In principle, as long as the borrower's credit information is not overdue, it has little impact on the credit card application. Bank credit Capka has very low requirements for applicants. As long as they have a stable job, there is no overdue record of credit investigation, and they are over 18 years old. However, if the applicant has too many microfinance records, it may affect the credit line of the credit card.
The amount of credit cards issued by banks will also consider the applicant's repayment ability. If the applicant's debt ratio exceeds 50%, the applicant's overdue risk will increase a lot with the credit card approval amount. As a card issuer, banks have to bear most of the risks. Therefore, many applicants who have small loans on their credit reports are usually unable to apply for a higher credit card.
How to apply for a high credit card?
1, proof of financial improvement
When handling a card, personal financial resources are related to the credit card amount. The stronger the applicant's financial resources, the higher the credit card amount he can apply for. In addition to submitting salary flow, if the applicant has a large insurance policy, mortgage loan, etc. , which can be submitted as auxiliary information.
2. Choose a card with a higher level.
There are many kinds of credit cards in banks, and there is a very strict hierarchy. The higher the credit card level, the higher the credit limit. Generally, the amount of general cards is between 1000- 10000 yuan, the maximum amount of gold cards is generally less than 50,000 yuan, and the amount of platinum cards, diamond cards and even black cards can reach more than 500,000 yuan.
The above is "Will microfinance affect bank credit?" I hope I can help you!