Many homebuyers usually use multiple credit cards, which makes it easy to overdue payments. They may not care too much at ordinary times, but it is a big trouble when applying for a housing loan. It may be because of a small overdue that the mortgage cannot be successfully handled.
Then, will all overdue payments bring a stain on credit?
It is reported that not all overdue repayments will have an impact on the application for loans, mainly depending on whether it is maliciously overdue. Generally speaking, as long as the overdue period is not more than 90 days, the number of times is not more than 6 times within 2 years, the total amount is below 1000 yuan, and there is a non-malicious debt certificate issued by the bank, there will be no major problem in applying for a loan.
So, how to eliminate your credit stain?
1. Pay back after five years.
The first method is to make up the repayment in time, and automatically delete the bad credit records after waiting for 5 years. This is because the retention period of personal bad information by credit reporting agencies is five years, and those that exceed five years will be deleted.
2. Continue to swipe the card to refresh the record.
It is said that there is also a very "ditch" method to replace the previous overdue records by constantly swiping cards, but the reliability of this method remains to be investigated.
Paying attention to maintaining credit in advance is more reliable than keeping a credit stain to save it. So, how to prevent credit stains when using credit cards?
When using a credit card, you must pay attention to the following two points:
1, rational card, not too much.
As long as there are enough credit cards, it is not advisable to apply for too many credit cards. Because the repayment dates of credit cards are different, it will be very troublesome if the repayment is overdue because of carelessness.
2. Cancel the unused card as soon as possible.
Some cards that you don't use much must be cancelled as soon as possible, because once these cards are overdue, it will take a long time, which is very troublesome to handle and has a great impact on credit history.
(The above answers were published on 20 16-04-28. Please refer to the actual situation for the current purchase policy. )
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