A comprehensive credit card score includes many factors, including credit history, credit usage, personal information, new credit applications and inquiries. Among them, credit history and credit usage are among the most important factors. Credit history refers to your past record of repaying loans. The more timely you repay, the higher your credit score. Credit usage refers to the way and frequency you use your credit card. If you often overuse your credit card, your credit score will decrease.

In addition to credit history and credit usage, personal information is also very important. The more detailed and true the information on your profile is, the better it will be for improving your credit score. Therefore, we should provide as accurate personal information as possible, such as address, employment information, income, whether we own property, etc.

In addition, new credit applications and inquiries can also have an impact on your credit score. If you apply for new credit cards frequently, your credit score will decrease. At the same time, every inquiry about credit information will leave a record, and too many inquiries will also affect the credit evaluation.

Finally, regarding the impact of online loan records on personal credit status, if the online loan itself is non-compliant, then this type of overdue online loan may not have much impact on your personal credit status. . However, relevant records will remain in the big data of online loans, which will have a certain impact on your credit evaluation. Therefore, you should pay attention to your online loan overdue status, arrears, dishonesty information, and online loan blacklists. You can search Changbai data and view your online loan history and overdue details.

In summary, to improve your overall credit card score, you should maintain a good credit history, control credit usage, and provide true and detailed personal information. Also, having fewer applications for new credit and fewer inquiries will help.