What to do if your personal credit is not high (Shenzhen) regarding home loans? 1. Banks have always been relatively lax in approving home loans. For example, income certificates are all required. But you are more concerned about your credit score. It seems that your credit score can no longer help you apply for a mortgage. You can look for connections.

2. Let me give you a suggestion. The reason why banks don’t grant mortgage loans is because they are worried about your ability to repay the loan. Although you are capable, banks pay more attention to written prefaces.

It is recommended that you find a person who is the same as the repayer to guarantee you. The house purchase contract still only contains your name, but when providing the loan procedures to the bank, you will also provide the procedures (including ID card, household registration book, income life, etc.) with the repayer (no bad records) to commit both parties. Joint repayment should be fine. Please consult the bank where you borrowed the loan for details.

3. Remember it, everyone. Try not to have bad records on your bank cards. All banks are connected to the Internet. If there are no bad records, it will be very troublesome to get a loan, and you may have to carry it for a lifetime.

Can Bank of China credit cards be used in the United States?

Yes, you can pay with Bank of China credit cards wherever there are MasterCard and UnionPay logos.

Introduction to BOC Platinum Card: BOC Platinum Credit Card is an international standard credit card specially issued by Bank of China. In addition to functions such as global use, revolving credit, cash advance, free text messages, and flexible installment payments, Bank of China also provides you with a large credit line of up to 2 million yuan, with an extra-long credit limit of up to 59 days. Interest-free period, double consumption points, free airport VIP lounge services, exclusive golf privileges, platinum medical and health insurance and other presidential-level services. Numerous special preferential merchants and colorful points return plans will make you enjoy card-holding purchases; overseas branches of Bank of China in 20 countries and regions around the world are also waiting for your visit to provide you with cordial Chinese services all over the world. .