1. If a personal credit report occasionally shows overdue repayments, but then repays them on time and in full, this is enough to prove that their credit status is developing in a good direction and will not affect the approval;

2. If the credit card on hand is overdue, do not cancel the credit card. You should use it normally and repay it normally, because once the credit card is canceled after it expires, it may Being identified as a "malicious overdraft" by the bank and directly entered into the blacklist, this will directly result in the individual being unable to have a credit relationship with the bank for at least 5 years, and will not be able to apply for a credit card;

3. Check the individual at least once a year Credit report, according to regulations, starting from June 3, 2014, the Credit Reference Center of the People's Bank of China will provide free personal inquiries on your credit report for the first two times a year. (You can check the credit report online through KaNiu or 51) If you find that there is a problem with the credit report during the check, and it is different from what you imagined, you can raise an objection to the Credit Information Center of the People's Bank of China;

4. Make repayment arrangements before traveling or traveling for work. It is recommended to repay the loan in advance or entrust others to repay it. You can also repay the loan through online banking or mobile banking;

5. When providing a copy of the ID document to others, it is best to include text on the copy of the ID document. Mark the purpose in the place and indicate "Re-copying is invalid" to avoid being loaned. Finally, credit reference is a very important part of each of us nowadays. Whether you want to get a loan or quickly increase your credit card limit, personal credit reference is one of the crucial assessment criteria.