1. I need money urgently. Should I get a credit card or a loan?

most banks have loan business.

Yes

Second, what should I do if I have a bad credit report and need a loan urgently

First, give a positive answer

If I have a bad credit report but need a loan urgently, I suggest you apply for an online loan product.

Second, specific analysis

After all, many online lending platforms are not connected to the central bank's credit information system, so when examining and approving, they generally do not inquire about the credit information like bank loans and lending institutions connected to the central bank's credit information system, but inquire about big data.

therefore, how to collect credit has nothing to do with online lending. As long as there is no bad information recorded in the big data, and the loan conditions proposed by the platform are met, the age is up to standard, and the repayment ability is on time, it is usually possible to successfully run online loans.

Besides, many online loans have relatively simple conditions and relaxed review, so it often doesn't take too long for them to be completed, and they can meet the demand for urgent money.

of course, it is suggested that we should develop good credit habits and ensure good credit information, so that the loan channels will be more abundant and we will not only apply for online loans. And the better the comprehensive qualification, the more the loan amount is likely to be.

online loan users can also check their credit qualifications by docking the third-party big data risk control platform, such as Beijian Quick Check, Sesame Credit, etc. The former has established data cooperation with more than 98% online loan institutions in the market, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans is shared by most loan platforms, which means that if the borrower fails to pay back the money on one platform, such bad records will also be made public on other loan platforms, so everyone must carefully safeguard their online loan credit, otherwise, when they encounter economic crisis again, they will not be able to obtain online loan products with good personal credit.

third, what platform is good for borrowing money quickly without looking at credit information?

there are few such platforms.

We should know that credit information is the most critical reference factor to judge the qualifications of borrowers, and the risks of borrowers can be ruled out by checking credit information, so regular platforms will check credit information when approving loans. Of course, it does not rule out that some platforms do not look at credit reporting, as long as they are individuals, they can go to the loan. Be careful of routine loans.

If personal credit reporting is really bad, don't rush to borrow money. Keep credit reporting for a few months and then try your luck on some platforms with low requirements. For example, as long as they are not illegal credit reporting users and are overdue at present, they will have a chance to pass and borrow money quickly.

3. I need an unsecured credit loan urgently. What information do I need?

Credit loan, if you are a civil servant or a national cadre teacher, you can provide personal income certificate, residence certificate and other basic documents. If not, you can provide personal bank flow or apply for a loan.