Total liabilities are all kinds of debts you owe in the bank, mainly credit card overdraft. The total debt of the credit card shows -.6, which means that you owe the bank .6 yuan, even if you owe a penny, which will affect your credit and credit investigation. When a financial institution inquires about personal credit investigation, the total debt will be directly included in the personal debt ratio. When the personal debt ratio is too high, it may not pass the loan review. When a user applies for a loan, sometimes the lending institution will ask the user to settle all previous debts. At this time, all the debts of the credit card must be paid off in advance.

the main business of banks is deposits and loans. It is worth noting that at the end of 218, the loan balance of China Construction Bank in inclusive finance was 631.17 billion yuan, an increase of 212.515 billion yuan or 5.78% over the previous year. Balance and new loans rank first in the industry. Regarding the topic of inclusive finance, Zhang Gengsheng pointed out that inclusive finance is now demanding more and more loan applications. Not only do you need to check your personal credit, but you also need high requirements such as sesame credit score and credit card swiping.

China Construction Bank's main business: China Construction Bank provides credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans.

1. Personal housing loan business

Personal housing loan business refers to loans provided by China Construction Bank or natural persons entrusted by China Construction Bank to purchase, build and overhaul various houses in China Mainland. CCB's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trading loans and housing loans, that is, second-hand housing loans, personal commercial housing loans and personal housing loans). Housing mortgage loans, etc.), provident fund personal housing loans and personal housing portfolio loans.

2. Credit card business

As a state-owned bank that set foot in credit card issuance earlier in China, China Construction Bank has many types of credit cards.

3. Silver Star International Express

CCB Silver Star International Express Remittance Business is a personal international express remittance business jointly launched by CCB and Silver Star International Express Remittance Company. It refers to the small-scale international remittance business that CCB pays individual foreign exchange remittances abroad or remits individual foreign exchange funds abroad through Yinxing Express Company according to the entrustment of customers.