1. Apply for a credit card but don't use it. Because the credit card processing record is synchronized with the user's personal credit information, it is difficult to apply for a new card after applying for a credit card, but it will not be used for a long time after processing. Most banks will regard this behavior as a malicious card, and show that the card is not activated in the credit report.
2. Credit card repayment is overdue. If the user does not return the credit card for a long time, it will have a great impact on personal credit information. Overdue bad records will be recorded in personal credit information records. If you don't return it all the time, you will be blacklisted, which will affect your personal credit information. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis, and shall not tamper with them. If it is overdue for more than three months or more, the bank will freeze the credit card and list it as a prohibited customer (blacklist). At the same time, it will prosecute credit card fraud and malicious overdraft, which will be enforced by the court.
3. There are too many credit cards. If the number of credit cards is too large, it will be considered that the cardholder has taken the current behavior, which will affect personal credit information. The total credit of cardholders is basically stable. Every time a credit card is issued, it is equivalent to using a part of the total credit line. If there are too many cards, it is difficult to apply for a new card. Even if it can be done, the credit line will be relatively low.
: Will frequent use of credit cards affect the credit report?
1. Frequent use of credit cards, timely repayment, no overdue, little impact on the cardholder's credit information, good repayment record, but to a certain extent, it can prove that the cardholder has strong repayment ability and good repayment will.
2. However, if there are multiple credit cards in the name, the total credit line is too high and the credit line is used more, the cardholder's debt ratio will be higher, and the debt ratio is also a factor that other lending institutions or banks are very concerned about when reviewing applicants.
3. If the credit card is frequently used and maxed out, it will be more difficult to withdraw cash from the credit card, because when inquiring about the credit information of the cardholder, it is found that the cardholder's debt ratio is very high, and the bank will think that the cardholder is short of money, worried about repayment ability, unwilling to withdraw cash, and may even reduce it.
When using a credit card, you must remember to pay back on time. Many banks will have a grace period of 2-3 days for repayment. If you can't repay in time on the repayment date, you should try to repay within the grace period of repayment, which is not overdue. Once overdue, the overdue records will be consulted, and a certain penalty interest or late payment fee will be paid, which will increase the repayment pressure. Repeated overdue repayment may even lead to direct freezing of credit cards.
Second, the benefits of credit cards.
1. Handling credit cards can effectively solve the problem of insufficient funds for users. You don't need a loan to apply for a credit card, nor do you need to borrow money from others;
2. Credit cards have interest-free time, so users can put money in and pay it back within the repayment time, which effectively improves the utilization rate of funds;
3. Credit card issuers will cooperate with merchants, and users can enjoy preferential treatment;
4. Credit card repayment on time can increase a good credit record.
Third, the disadvantages of credit cards.
1. Some service personnel may oversell during the cardholder's consumption period, or steal credit cards for other business consumption, which may happen in entity or network virtual business;
2. The credit information system is not perfect, and there are still some phenomena such as lax review of bank credit, insufficient protection of citizens' own information security and serious credit card crimes;
3. Users' blind credit card spending may lead to excessive consumption and irrational consumption.
4. There is no interest-free period for credit card cashing, and users need to be charged a handling fee.