Remind that in the process of credit card consumption, we should strive to establish a good credit record to avoid the trouble of applying for bulk loans in the future.
Credit card repayment records are the most prone to credit stains, and overdue repayment accounts for the majority, including malicious overdraft, but most of them forget to repay.
The criteria for banks to identify "bad credit" are really different. The identification of overdue credit cards is also different.
For borrowers with bad credit records, how to apply for loans;
1. Apply for a loan through the non-malicious repayment certificate issued by the bank. Under normal circumstances, such a certificate can only be issued when there is an error in the bank.
2. By reducing the loan ratio and raising the loan interest rate, you can apply for a mortgage.
3. Change the borrower
If you can't do the first two of the above questions, you have to choose the third way, that is, change the borrower.
But there are two problems to pay attention to:
1. If the borrower is older, the loan period is shorter.
2. At present, banks mainly adopt the principle of recognizing the number of houses purchased by borrowers. If the changed borrower has handled the mortgage business or owned the house, the loan may not be able to implement the first home loan standard.
Good wishes!