So, how to improve credit information? Here, I would like to share with you several ways to improve credit reporting.
Five didn't.
1, don't go too far.
The number of credit cards in a person's hand should not exceed 8, but it is most reasonable to keep it at 3-5. Don't blindly apply for a card in order to save a line or even do a card ceremony, resulting in too many bank credit cards hanging in your name, and the total credit line far exceeds your income level. The debt is so high that it is difficult to apply for a credit card or loan.
2. Don't blindly handle online loan products such as loans and micro-loans.
Many internet lending products, including lending treasures and micro-loans, were used for credit reporting at the meeting. Too much borrowing and too much debt will definitely affect credit reporting.
3. Don't make overdue payments.
Whether it is mortgage, car loan or credit card, as long as the bank's money is used, it must be repaid on time. This is the most direct impact on credit reporting. Once overdue, it will be recorded in the credit report, and it will not be eliminated within 5 years, which will have a far-reaching impact.
4. Don't vouch for others easily.
Making loan guarantees for others will also be reflected in the credit report. If the amount of guarantee is large, it means that you have potential debts. Once the guarantor defaults, you will be jointly and severally liable.
5. Don't cancel the expired credit card immediately.
If, unfortunately, your credit card is overdue and has been recorded in the credit report, don't cancel this credit card at this time. Once cancelled, this bad record will always exist, affecting your application for loans and credit cards. The correct way is to continue to use this card, while maintaining good repayment habits, and replace bad records with good repayment records.
Five elements
1. Be sure to have several credit cards.
Credit card is the best tool to improve credit information. Applying for mortgages, car loans and other loans often has a high threshold, but credit cards are easy to handle. Only by handling a credit card can you leave your own record in the credit reporting agency and become a creditworthy person. Therefore, the first step to improve personal credit is to apply for a credit card! Especially for office workers who are new to the workplace.
2. Be sure to repay on time.
There is no better way to improve your credit score than paying back on time. The repayment record occupies a high share in the credit scoring system, even if it is overdue once, it will seriously affect personal credit. The easiest way to repay on time is to open an automatic repayment service, set up a mobile phone reminder and prepare repayment funds.
Be sure to have one or two high-end cards.
There is a threshold for applying for high-end cards, and the bank review is also strict. Generally, the qualification requirements for applicants are relatively high, especially the credit situation. As long as you can get one or two high-end cards, it is a good proof of your personal credit.
4. Be sure to pay attention to large debts.
Paying attention to large debts can not only reduce the biggest debt loopholes, but also save interest expenses. Personal credit score is largely based on current debt, and the smaller the total amount of current debt, the higher the credit score.
Be sure to check your credit report regularly.
You can check your credit report once every six months, so it is easy to find the wrong records in the credit report. If it is found that financial institutions falsely report their credit status, they need to deal with it in time so as not to affect the handling of other businesses.
The Ultimate Guide to Credit Card Support Amount
First, the number and amount of credit cards per month.
It is recommended to swipe your card about 25 times a month, which is a small expense. Generally, the consumption amount is between 100-500 yuan. Moreover, if the card is to be refined, the number of swipes should be more than 20 times per month. Generally speaking, the number of swipes should be more than 10. Then you have to use the credit card three times a month, not exceeding 30% of the credit card limit. For example, if you have a credit card with a limit of 1 10,000, you need to spend it three times a month, and each time it costs about 1000 to 3,000 yuan, depending on the situation. You should also spend a lot of money every month, but don't exceed 60% of the credit card limit. If the credit card limit is too large, it may hurt the card.
1. The same credit card should not be swiped on the same machine more than three times a day. Whether it is used for consumption or balance inquiry, the time interval between the first swipe and the second swipe should be more than 20 minutes.
2. Don't use your credit card to get an integer directly. Few purchases can get an integer directly. When the whole number of direct credit cards is too many times and the amount is large, it is easy for banks to think that there is a suspicion of cashing out.
3. When you swipe your card, you should swipe your card during normal business hours, usually from 9 am to 9 pm. Try not to spend the rest of the time by credit card, which is also easy to be considered by banks to be suspected of cashing out.
For safety reasons, the maximum single consumption is not more than 50,000, and the daily transaction amount is controlled below 200,000. If the daily consumption exceeds 200,000, it is easy to be supervised by banks.
5. When choosing a bank to apply for a credit card, you should also choose some banks with relatively simple withdrawals, such as the four major banks. These banks are slow to withdraw funds, so it is better to choose some local banks to withdraw funds.
6. If the credit card amount exceeds 1000, it is best not to exceed 60% of the credit card amount, and it is best not to swipe it all on the same machine. It is best to brush or change the brush in a few days.
7. Remember the basic rules and preferences of all banks. Some banks like users to stage, some banks value large consumption, and some like small consumption many times. Banks can do whatever they like.
8. Don't swipe your card across provinces, and don't swipe machines that often skip codes, which will be easily controlled by banks.