When using a credit card, pay attention to timely repayment according to the bill, or you can repay in installments according to the agreed amount within the specified time. If it is not overdue, it will not have a negative impact on credit reporting, and it is easy to borrow money if there is no problem with credit reporting.

When handling a loan, there are many factors that affect the loan amount. The bank will approve the loan according to the customer's assets and liabilities and the customer's comprehensive score in the bank.