If your overall score when applying for a credit card is insufficient, you can try the following methods to improve your credit rating:

1. Pay off the debt in time or shorten the borrowing period to maintain good repayment Record.

2. Control the usage limit of your credit card and avoid excessive overdraft.

3. Increase the frequency of credit card use and make regular credit card purchases.

4. Actively maintain personal credit information to avoid being listed as a high credit risk due to dishonesty.

In addition, you can apply to view your personal credit report from the Credit Reference Center of the People's Bank of China, China Bank Card Industry Association and other institutions to understand your credit status and existing problems, and take timely measures to improve it.

Remind everyone: Now is the era of credit. Once credit is stained, many things will be difficult to achieve. Online loans are the source of big data. Once the big data becomes chaotic, it will be classified as a high credit risk, thus affecting credit reporting and life restrictions. It is recommended that everyone pay attention to protecting their big data credit records and do a good job in personal credit management.