It is also possible to check the credit score of unissued credit card statements. Because a credit card is a small loan for advance consumption, it will show up on your credit report as long as you use it. So if you want to apply for a mortgage or car loan, don't use your credit card some time before applying. If you always use a credit card, the bank will think that your income is very small, so you have to use a credit card.

Can the credit report check out unissued credit card bills?

In fact, the credit card has not issued a bill, which means that the credit card has not yet reached the repayment deadline. Once the credit card repayment deadline is reached, the credit card will form a repayment bill. This bill is your consumption last month. Record. But the credit card itself is a card for advanced consumption. As long as you use it, it will be shown on your credit report. The content displayed on the credit report includes credit card consumption and repayment, so when you make a purchase, it will be shown on the credit report, and when you repay, it will also be shown that it has been paid.

Be sure to repay your credit card on time

If you forget the repayment period of your credit card and make your credit card overdue, late payment fees and penalty interest will be incurred, and this part of the funds is also very high. Yes, it will increase your repayment burden. And you cannot apply for exemption after late payment fees and penalty interest are incurred. You must pay this part of the fee. If you do not pay, you will not be able to continue to use the credit card in the future. If your credit card is overdue for too long and the overdue amount is too large, then you are maliciously defaulting and will be blacklisted by the bank. The bank will forcefully block your credit card and you will not be able to use it until you pay off the credit card bill.

So although I am more happy when using a credit card and have no restraint in swiping the card, it will be particularly difficult when repaying the loan. If your income is not very high, be sure to be sensible when using your credit card and don't buy too many useless items. This way you will have less stress when repaying the loan and be able to pay off your credit card bill.