The use of credit cards can help cardholders establish personal credit, but poor use of credit cards will make credit poor. In credit cooperatives, it is inevitable to carry out various credit businesses, and the credit difference will definitely have an impact. Cardholders should deal with bad credit. So, how to deal with the credit difference of credit cards? Let's have a look.

How to deal with the credit difference of credit card?

Because credit cards make credit worse, one may be that bad records are generated after the deadline, and the other may be that credit cards are swiped too frequently in the short term, and the handling methods are different.

1, handling method of bad records

If you have a bad record such as a credit card, you should first pay off the money you owe, and then look at the bad degree. If you just pay back the money after the deadline, you will be fine; Some of them are overdue, which seriously leads to bad debts. After paying off the debt, you should find the issuing bank to deal with the bad debt in time, that is, modify the bad debt record to overdue, and then take some measures according to the current card status.

If the credit card is in normal condition and has not been reduced or exempted, you should continue to swipe it for at least 2 years, spend more money on swiping it, repay it on time, and slowly overwrite the overdue records with the new records generated. Don't write off the debt when you see that it has been paid off, so the bad record will always be kept; If you can't use the card, the credit card will automatically expire when it expires. If there is an annual fee during the period, it should be returned on time.

2. How to deal with excessive credit reporting?

In fact, it is relatively simple, that is, don't apply for a credit card or apply for a loan for at least six months, so that there will be no hard inquiry records in the newspaper. Although the previous hard query records will not be eliminated immediately, the impact will gradually weaken as time goes by.

What is the impact of not handling the credit difference of credit card?

There are many, the most basic thing is that credit can never be restored, and any subsequent credit business will be rejected in all likelihood; In addition, if the credit card is overdue for more than 3 months and has not been repaid after two effective collections by the bank, and the principal reaches 50,000 yuan, it can be considered as a malicious overdraft credit card, which constitutes a sentence for credit card fraud.

The above is the related introduction of "How to deal with the credit difference of credit card", and I hope it will help everyone.