What is the comprehensive score of a credit card? How to inquire?

To put it simply, "comprehensive score" is a comprehensive quantitative assessment of the borrower's qualifications carried out by the big data risk control system. There are many factors that affect it, such as the borrower's mobile phone. Number, sesame score, marital status, job position, income level, academic degree, credit qualification, etc. These scores are added together. Only when you meet the comprehensive score standard, you will have a high chance of getting a loan. Otherwise, you will be rejected. outside the door.

You can check your own big data credit report.

Just open WeChat and find: Raindance Quick Check. Click Query and enter information to query your own credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Your own personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit and other important data information.

Where to check the credit score of Shanghai Pudong Development Bank’s credit card

Find the settings in the Shanghai Pudong Development Bank APP, and then check it. The credit score of the credit card can be checked at the work desk or by following the WeChat official account.

How to restore an insufficient comprehensive credit score

If you want to restore your comprehensive credit score, you must solve all the problems that caused the insufficient comprehensive credit score. For example, if you find that there is an overdue credit repayment, you must quickly pay off the overdue debt, and then you need to be patient and spend time to accumulate good records. When new good records gradually cover up the old bad records, your personal credit rating will gradually improve. When you come back, your overall credit score will be improved.

Also, if it is found that the credit report (big data) has become "spoiled" due to too many loan records, and if an individual has a long-term loan situation, it is recommended not to apply for credit products for the time being, and to maintain at least three After three months, the situation of credit reporting (big data) will be improved, which will also help to restore the comprehensive credit score.

Of course, if you have a lot of unpaid credit products under your name, you can also take advantage of these three months to pay them off (or pay off as much as possible) to reduce your personal debt ratio, which will also help. Improve your overall credit score.

Just check it at: Xiaoqixin. Click Query and enter the information to query your own credit data, query your personal credit status, Internet black index score, blacklist status, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and Internet Important data information such as loan and credit limit estimates, etc.

Extended information:

How to check the comprehensive credit score?

The comprehensive score of the credit card cannot be queried. Each bank's scoring criteria are different. It is possible for an applicant to encounter insufficient overall score in one bank, apply for a credit card from another bank with the same information, and get a gold card again. In addition, some bank card approval rights are vested in the head office, while others are in local branches. Local policies make the overall credit card scoring details unpredictable.

Because the credit criteria and scoring standards are internal working secrets of the bank, factors involving risks cannot be disclosed to the public. Personal credit rating refers to the bank's credit rating of you when you apply for a loan from the bank. This rating is different for each bank. The People's Bank of China checks your personal credit report. If your credit report It's better, but it's not overdue.

How to check if the comprehensive score is insufficient

How to check if the comprehensive score is insufficient:

If an application for a credit card or loan is rejected due to insufficient comprehensive credit score, the customer cannot check the bank Or what is the specific comprehensive credit score that a licensed consumer finance company assigns to its customers. However, customers can contact the bank or a licensed consumer finance company and ask the staff for specific reasons to see what problems caused the overall credit score to be insufficient.

Customers can check the credit report by themselves. It may be that there is a bad credit record in the credit report that causes the overall credit score to be insufficient.

Credit inquiry is not complicated. Customers can log in to the official website of the Credit Information Center of the People's Bank of China on a computer browser, and then click to enter the Internet personal credit information service platform to inquire.

For example, some loans are associated with Sesame Credit, and customers can also inquire about Sesame Credit on their own. As long as you log in to the Alipay APP, click "My", and then click "Sesame Credit", you can directly see your Sesame Credit score.

Of course, an insufficient overall score is not necessarily the reason for a customer’s bad credit. After all, banks (licensed consumer finance companies) evaluate and review the customer's age, education, workplace, residential address, economic income level, debt situation, credit status and other aspects to arrive at a comprehensive score. Therefore, it is possible that the overall credit score is insufficient due to the customer's long-term borrowing situation and excessive debt.

What are the reasons for insufficient overall rating?

1. Insufficient credit score

Personal credit report is an important factor that lenders will examine when applying for a loan. If there are stains on your credit report, or there are overdue, Abnormal and other behaviors will lead to insufficient credit score. Once your credit score is insufficient, it will directly affect the result of your loan.

2. Insufficient information authenticity score

When applying for a loan, it is very important to check the authenticity of the borrower's information. By verifying the borrower's information, we can initially judge the loan quality. Whether the person has committed fraud and whether he has the intention to defraud the loan, in order to ensure the safety of funds.

3. Insufficient quota score

What we call insufficient quota score mainly refers to the situation when the score quota cannot meet the lower limit of a single loan product according to the system budget. Insufficient ratings. Borrowers may not be very clear when applying for a loan. Some loan products have very strict conditions. If they are not clear about their options before applying, they may not pass the review and be denied a loan!

4. Application records are too frequent

Multiple loan applications and credit card applications will also affect the loan approval results. If you frequently apply for loans and credit cards on multiple small loan platforms, after the bank checks your personal credit report, it will be found that you have too many online loan records and very frequent credit check records, which will make the bank think you are Currently, we are very short of money. Because other conditions cannot be met and the application is not successful, the risk of default is relatively high.

Can I check the comprehensive score of a credit card? Where to check?

If cardholders want to know the overall score of their credit card with the bank, they can conduct a comprehensive test through WeChat platforms such as "Card Quick Check", which covers: risk score, probability of limit increase, Six major sections include wealth capabilities, consumption preferences, card transaction analysis, and overseas transaction analysis. It can intuitively list the user's current credit card risk score, and users can judge their current credit card comprehensive score from this. At the same time, through this information, users can also calculate the current probability of credit card limit increase. The higher the currently displayed probability, the greater the chance of an increase!

Where can I check the comprehensive score of a credit card? I’m a little worried that my card will be rejected due to insufficient ratings!

"When applying for a credit card, if you fail to meet the other party's review requirements, the applicant will usually be fed back to the applicant with an insufficient comprehensive score.

If the credit score is insufficient, it usually depends on one of them. If one item does not meet the standards, such as a messy personal credit report, a risk list, etc., it will be very easy to be rejected if you apply for a credit card at this time.

It is recommended to first understand the credit situation that affects you. Check to see what flaws you have, and then further optimize it. If you don’t know your personal credit status, you can check it on WeChat: Feiyu Quick Check, and you can check it for free. If it is confusing to be in a long position, it is recommended to stop all credit within three months. The risk of loan applications and related operations will be reduced after one month, and there will be no impact after three months. "

This ends the introduction on how to check credit card scores and how to check credit card scores. , I wonder if you found the information you need?