0 bills can reduce and hide personal debts, formally meet the approval requirements of banks, and remove a big obstacle for the smooth allocation and card issuance!
What do you mean by formal agreement? In order to meet the supervision, banks must abide by the regulations, but there is no fish in the clear water. If it is strictly compliant, many businesses can't be done. Then the form is compliant, which not only meets the regulatory requirements, but also can carry out business. Perfect (with Venus gesture).
What is formal compliance?
By making 0 bills, the real debt of individuals has not been reduced, but it is only reflected in the credit report. The number of "average credit card usage in the last six months" is very small, even 0.
In this case, from the bank's point of view, the customer's debt is low or even zero, so it is natural to grant him money, apply for a card, open an account for the customer and open an account for adultery. Everybody's fine.
Although the actual liabilities of customers have not decreased, they have decreased in form, which meets the regulatory requirements. After the bank has passed the supervision, it will turn a blind eye for the sake of performance and will not be serious.
So how do you make a zero bill?
It's simple. Pay off the credit card debt the day before the bill date. For example, if the bill date is the 6th, then the debt will be paid off on the 5th, so the bill will be issued on the 6th, and the bill amount will be zero.
The bill must be made for six months in a row, which is valid. Reflected in the credit report, "the average amount of credit card used in the last six months" can be reduced to the level that the bank thinks the debt is low!
What is the low way for banks to think that their debts are low?
Generally speaking, if the debt ratio is controlled below 30%, banks will think that the debt is low.
For example, if you have 1 10,000 credit cards, then the monthly credit card bill is at most 300,000, and the debt ratio is 30%, so it is easier to allocate funds and issue cards.
Making a bill of 0 does not mean that we need a bill of 0 in the strict sense, and the amount of each bill is 0;
As long as the debt ratio is controlled within 30%, that is to say, the total bill of all your cards accounts for at most 30% of the total credit card!
I am Zhang Dazhao, the successor of payment and communism!