The bank has a total credit for everyone. If this credit has been reached, it will be difficult to apply for a card or withdraw an amount. Summary line refers to the amount that the lender can borrow from the borrower without providing property guarantee. Usually, it means that a natural person borrows from a bank, and the bank is willing to provide the maximum amount of loan according to the individual's credit status. This amount will be unilaterally determined by the bank because of income, revenue, debt ratio, job content, company, company position, property and other conditions.
1. behaviors that lead to excessive summary line:
1. loans occupy the total credit line
a large consumer loan from a bank is used, which is shown in the form of credit card line in credit information, directly increasing the total credit line. It is also considered that other banks' summary is too high for merchants to use e-loan. It is strange that e-loan is obviously a fixed credit card line occupied by merchants, not beyond the line.
2. The temporary credit line occupies the total credit line
The temporary credit line of a bank's credit card is used, and the temporary credit line is also credited, which indirectly improves the total credit line. If you have a card friend, you can have both the first and second types at the same time: the Agricultural Bank of China sent me a message and went to the outlet to handle the 5k cash installment, and you can raise the amount to 5 W. When I handled it, I said that my total credit was too high and I didn't pass. Check the reason, it turns out that I have handled the temporary quota given by China Merchants Bank, and the credit information shows that it is the quota. The original total credit line of more than 3, has changed to more than 4,. Plus the Shanghai Pudong Development Bank's universal fund, it exceeds 5,. There is nothing to say, and the credit report shows all the temporary quotas.
3, regional policy issues
In some places, the overdue rate is high, and there are many bad debts. Individual banks do not issue cards to ordinary users, or the amount is extremely low. Some cardholders have been over-aggregated in the original area. When they change jobs in different regions, they modify their work information and lift the restrictions at once.
4. The nature of work
The types of work are generally low-income and judged as low-income groups by bank big data. There are more than 5, mortgage loans for card friends. Obviously, this kind of mortgage is not a debt, but the credit line for handling industrial and commercial credit cards is told by the card department that the credit line is too high, and the credit card under his name is less than 2,. At present, any three-person credit card has a total credit of 5 thousand, and more than one million loans have been added.
2. Ways to solve the problem of excessive credit card summary:
1. Diversified credit cards, and bills with low liabilities (the same amount should be used, but not used) can be broken by China Merchants Bank for more than three months. Objectively speaking, this way is to increase the credit line by increasing the credit card in-line score.
2. credit cards are maxed out for three months in a row, and savings are maxed out. in the third month, it will not show that the summary is too high. This way is constantly touching the system, making the bank feel that you are short of money and have the ability to spend. Just like the effect of brushing three times the bill, many people have succeeded, but the disadvantage is wasting money.
3. If you have bills or loans in installments, you can contact customer service to settle them in advance. The credit card of China Merchants Bank tried twice to settle the installments in advance, and the summary was too high in a few days (it may be too high in a few days). Anyway, I went out of the summary room a few days after each early settlement. It would be a coincidence to say so many times. There are other people who have the same summary for several months, and then settled a few days in advance, and the summary is too high. The above is summarized by China Merchants Cracking Other Banks, but the summary of CCB is too high, but it is cracked by bills in stages, so different banks need to analyze it in detail.
4. I wait for the bank to release me, and some people will be released automatically in one year. It is estimated that the recalculation of big data feels that users still have room for improvement.
5. After three months of diversified credit card swiping, the second credit card is curved. This is useless for attracting investment, but it has been successful for Fitness Bank and China Everbright Bank. It should be that the second card re-examines all your credit information at that time. It shows that the bank has been using your first card application data to review your credit limit. If it can be reiterated by the bank, there is a chance to break through it, and some of them will directly raise the amount on the second card. Therefore, the summary of the bank's withdrawal is too high, which is a scoring problem.