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What about the credit card?
After receiving the credit card application, the bank will check its credit report and review it, so it is difficult for people with poor credit information to get a card. What should I do if I spend my credit card?
First, don't get a high-grade credit card.
You can still apply for a credit card if your credit is spent, but the repayment is good and there is no bad credit record such as overdue, but the high-grade credit card has a higher threshold and the audit will be stricter, so it is better to apply for a low-grade credit card. It is recommended that you choose a normal card or a gold card when you apply for a card. Co-branded cards jointly launched by some banks and merchants can also apply.
Second, improve your credit.
After all, credit investigation is an important basis for bank audit. Therefore, if you want to apply for a credit card, it is recommended that you keep your credit first, and don't apply for a card or loan in the near future. They should keep their credit for three months or half a year before they apply for a card, so the chances of passing it will be greater.
Third, use the bank to release water to do the card.
Although the credit investigation has been spent, as long as there is no bad credit record, the requirements of many banks will not be so strict. You can apply for a credit card when the bank releases water. At this time, the bank audit will be more relaxed, the problem of credit card consumption is not big, and the chances of successfully obtaining a credit card are still great.
3. How long will it take to recover after the credit investigation is spent but the repayment is good?
It means that there are too many credit inquiries in a short period of time, and the number of credit inquiries will be automatically deleted after 2 years, while the loan applied for is generally based on the credit report within 2 years, so the credit will be restored after 2 years. Of course, some lending institutions mainly look at overdue records and liabilities. At this time, even if the credit is spent, you can try to apply.
Main users don't often apply for credit business, so it won't cost money to make a credit inquiry. Moreover, the inquiry of credit inquiry needs authorization. If the user refuses authorization, the institution cannot inquire about personal credit inquiry.