If you don't repay in time, it will affect your credit information. Bank of Guangzhou credit card cash installment can be repaid in advance. However, it is necessary to apply to the bank in advance for prepayment, and the prepayment can only be carried out after the bank has approved it. In addition, Guangzhou Bank's credit card will be repaid in cash in installments, without any fee reduction. Except the principal, the other handling fees need to be repaid in advance.

First, how to repair the credit?

The so-called "credit information flower" means that there are too many inquiries about personal credit information reports. This query record generally refers to the "hard query" record. When we apply for a credit card or a loan, the organization will inquire about our personal credit status. This kind of institutional inquiry is called "hard inquiry", and the inquiry record of the individual credit report will be reflected in the credit report. If there are too many inquiry records, the credit report will be scrapped. Credit investigation takes a long time. Lending institutions will feel that users are under great economic pressure when conducting credit investigation. In order to avoid risks, they may refuse the loan application.

2. Inquiring about your personal credit report is divided into two channels.

1. Inquire about the central bank's credit report, bring your ID card to the local central bank's outlets, and print the short version of your personal credit report yourself.

2. Inquire about the credit information of 100 banks led by the central bank. As a non-governmental credit reporting agency, 100 banks have complete credit reporting data, rich reports and wide applications. In daily life, financial services ranging from free deposit services to auto loans and credit cards are provided by people's credit information.

Third, how to restore personal credit information

1. Maintain quality records: maintain quality credit records for a long time after bad records appear.

2. Pay off the arrears quickly: return the corresponding arrears with bad records quickly. Non-malicious overdue, after paying off the arrears, you can contact the bank staff to explain the reasons, and the bank will issue a "non-malicious overdue" certificate to maintain a good credit record.

3. Do not cancel the credit card: Only by not canceling the card can a new credit record be provided for a long time, and the new record will overwrite the original bad record. According to the regulations of the bank, you can't apply for a mortgage if your credit card is overdue three times in a row and six times in two years. Some banks will also review the credit records for more than two years or stipulate that if they are overdue for more than 90 days at a time, they will not be eligible for loans.