Card friend Xiao Wu is very depressed. It is clear that he has made great efforts to swipe his card, but his application for withdrawal was rejected by the bank, and he only gave an explanation of "insufficient comprehensive score". What are the reasons for this? Today, I will teach you how to solve the problem when the comprehensive score is insufficient. First, analyze the reasons for the insufficient comprehensive score: 1. Overlimit: I accidentally used the hidden line of the bank and failed to repay the loan on time. 2. Overdue: the repayment has not been made after the repayment period or the repayment amount is less than the minimum repayment amount. 3. The withdrawal period specified by the issuing bank has not been reached; 4. The proportion of online consumption is too high, which is suspected of online cashing; 5. Single consumption, often cashing in a large amount in the same merchant type; 6. Minimum repayment for many times in a row, with poor repayment ability; The above six items are roughly the situation that the comprehensive score given by the bank is insufficient. If you want to crack it, of course, you have to prescribe the right medicine.

Let's take a look at how to solve the problem of insufficient comprehensive score: 1. Know the usage of credit card line in time. If you use the over-limit line, you must pay off the over-limit amount before the over-limit consumption is recorded. 2. If it is overdue, you must pay off the arrears, and continue to use the card for 6 months, and develop a good habit of using the card before applying for the withdrawal. 3. Understand the credit card withdrawal period of the issuing bank. Some banks stipulate that the new account withdrawal can only be made after six months of card consumption, and the second withdrawal should be made after three months or six months. 4. Don't always spend money online, and occasionally swipe your card offline, such as watching movies, eating and eating, and so on. 5, consumption must be diversified, mainly refers to the places and industries where you spend your credit card, and it is best to brush more than 3 pens in a month, so it is easier to apply for a withdrawal. 6. The minimum repayment is not impossible, but it is still suggested that it is best to repay in full if you have the ability, or to do it by stages occasionally, which will help improve the score. Summary: To put it bluntly, when the withdrawal amount meets with insufficient comprehensive score, what we need to do is to raise the card well, and occasionally let the bank make some money when raising the card. After a long time, the comprehensive score will naturally come up, and it will be difficult for the bank not to raise the amount for you ~ ~