2583 principle. 8 means that the amount of card consumption in a single month does not exceed 80 of the fixed amount.

8 standards for a good credit record are provided for your reference:

1. The loan is not currently overdue or the guarantor has repaid it;

2. The credit card is not currently overdue. There is an overdue date;

3. There is no overdraft record of the quasi-credit card that has not been paid for more than 180 days (excluding card fees and annual fees);

4. The credit card does not exist in the past 12 months The minimum repayment amount has been missed for more than 6 periods (excluding card fees and annual fees);

5. There is no record of consecutive overdue payments for a single loan for more than 6 periods within 24 months (including the guarantor's agent) (repay);

6. There is no record of the loan being extended (postponed) or used to pay off the debt in the past two years;

7. There is no record of a single loan being overdue for more than 24 periods in total. ;

8. There is no record of being sued due to bad credit.

Finally, if you don’t know your credit status, you can check it with the People’s Bank of China with your ID card. If the inquiry result is that your credit is good, then it will definitely be no problem to apply for a loan.