The emergence of credit card is to bring more convenience to people, but more and more people do not pay attention to the rules of using credit cards, which eventually leads to a lot of troubles. Some people even went to get a loan to buy a house, but in the end the loan application was not approved. The reason turned out to be "mistakes" in using a credit card.

When using a credit card, you must pay attention to its specifications and repay it on time.

1. If you repay your credit card late, be careful that the bank loan interest rate will double

If the credit card holder intentionally or unintentionally repays late, then when applying for a loan to buy a house, the interest rate will not only be Without the discount, it might be doubled.

Failure to repay credit card payments on time can be said to be the most common "stain". When buying a house, think about how difficult it is from choosing a house to finally deciding to buy a house. However, if there is a problem when applying for a loan and the bank refuses the loan, it will be a tearful experience!

Maybe you forgot to repay your mortgage because you were too busy at work or for other reasons, and it was only a few days late. However, by then it was too late to say anything.

The bank requires you to write a letter of credit guarantee before allowing you to apply for a mortgage. This is okay. Fortunately, you can apply. However, the most regrettable thing is that others can enjoy a 50% discount, but not only do you not have a discount, but you have to pay 1.1 times the base interest rate. From this point of view, isn’t it worth it? Therefore, it is necessary to pay off your credit card on time.

2. If the credit card is not activated, it will also affect the credit record

Some people have applied for a credit card, maybe because they cannot use the money in the credit card, so they have not activated it. They think Anyway, the money inside was not touched, so it must be fine.

However, what you never expect is that each bank has different charging standards and management regulations for unactivated credit cards. If you delay activating your credit card, a certain annual fee will be charged starting from the second year. If the credit card is not activated, the bank will record a debit on your account.

Think about it, if you pay off your credit card late, you can be forgiven, but if you have credit problems because you haven't activated it, then I can only think about it quietly.

The salary card we usually use will not cause credit problems if it is not used for a long time, but credit cards are different, so everyone should be vigilant.

3. If you do not have a fixed income every month, it is best not to apply for a credit card

For some people, their monthly salary income is not certain, and it is time to repay the loan. , there is not enough money to repay the loan, and the consequence is that the credit card is not repaid on time. It will still affect the mortgage record, so these people must pay attention.

The editor here reminds you that although credit cards are convenient, you still have to fulfill your obligation to repay them on time. After all, once there is a problem with personal credit, it will not only affect buying a house and applying for a mortgage, but also when you need money to buy other things. And these "stains" cannot be eliminated!

(The above answer was published on 2016-01-02, please refer to the actual relevant current house purchase policies)

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