credit card flow setting refers to the function of providing supplementary card flow setting related to credit cards. This function is to support the main card customers to adjust the flow limit setting of the supplementary card that has applied for the credit card. The setting of traffic can be different from the available quota. Even if the supplementary card is repaid in the current month, the traffic cannot be recovered quantitatively. You need to wait for the next billing cycle to resume. At present, only the Great Wall series credit cards of Bank of China are supported.

How to maintain a good personal credit report and smooth loan

Don't be overdue: whether you pay back the credit card money or repay the mortgage after spending by credit card, you must be careful not to be overdue. Once overdue, not only will you have a penalty interest, but this consumption record will also be saved in your personal credit information system. Then at the time of loan, it is easy to be rejected when reviewing.

Don't have too many sleep card: Many people always think that after applying for a credit card, it won't have an impact if you don't open it and use it. But in fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, and it will have a proper impact if you want to apply for the bank's credit card in the future. And some specific cards will have an annual fee even if they are not activated. If this point is neglected, it is very likely that the credit card will be in arrears and then overdue, resulting in a bad credit record.

don't default on the payment of living expenses: the new personal credit information system has been launched, and all kinds of water and electricity charges and telephone charges in life are recorded in the personal credit information record. If you can't pay the fee on time, or even escape the subway ticket, your records will all be recorded in your personal credit report, which will inevitably lead to bad credit report.

Only by maintaining good personal credit information can we get a smooth loan. But we should also pay attention to saying goodbye to white households. Many people always think that they never lend money and their credit information is very good, so the loan will definitely go smoothly. In fact, users who never lend money may also be rejected when they borrow money. A bank account refers to a person who has never applied for a loan or credit card from any financial institution, and his personal information has not been entered by the Credit Information Center of the People's Bank of China. Generally speaking, for white bank households, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, so they can't make an objective and reasonable judgment. Therefore, it is often more difficult for white households to apply for loans than for customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. Therefore, in order to control their own credit risks, they will generally lend cautiously, and even after agreeing to loans, the loan amount will not be ideal. Therefore, it is also necessary to borrow money properly or handle credit cards reasonably.