Question 1: What should I do if the credit record of the bank credit card is not good? (Please come in, master who can help) You don't call it bad credit, but you are blacklisted in the credit information system of the People's Bank of China. Bad credit will only be kept for 2 years, while the list will be kept for 7 years. It is recommended to pay a deposit or use a credit card through guarantee to accumulate credit bit by bit. There is nothing else to do.

Question 2: Personal credit is not good, how to apply for a credit card? Five points. You can't do it at present, because your bad record in the Credit Information Center of China People's Bank will be deleted after 5 years.

Question 3: What about bad credit? Bad credit records of credit cards do affect credit card applications, but credit records will be updated. If the debt is paid off, the record will be updated slowly after it is paid off. Generally, it will not affect the card application after 5 years.

The money hasn't been paid back yet. Pay it back at once. Don't put it off any longer. If you continue to delay, your credit record will not be updated.

You are a quality customer of CCB. If your credit history can be restored, it is not difficult to apply for a CCB credit card. The basic conditions for applying for a CCB credit card are: at least 18 to 70 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit.

Question 4: Is it true that there will be a record of credit card rejection? .

Question 5: Can I still apply for a credit card with a bad credit record four years ago? Hello, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When T/zY2dolD handles new business, relevant departments will generally give priority to recent consumption and repayment records.

If you have any other questions, please add QQ corporate customer service 4008205555 or find WeChat WeChat official account "China Merchants Bank Credit Card Center" and add attention.

Question 6: Can I get a credit card with a bad credit record? Not if there are overdue records and bad records. At present, the bank credit record stipulated by our country only records the use of credit cards for 24 months, that is, within two years, so these negative information can be completely eliminated because of the passage of time. That is to say, if you pay off your debts and have a bad credit card record, as long as you insist on paying back in full and on time for two years, your bad credit record will be eliminated by time, and your personal credit will return to normal.

Question 7: How to cancel a credit card with a bad personal credit record and keep it in the bank credit information system?

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them.

The bank won't make any bad comments on the usage records, but only truthfully feedback your historical usage records without any subjective judgment.

If you handle the loan business in the future, the loan bank will refer to your credit history comprehensively, not only for a certain period of time, but also your credit will increase continuously if you can keep a good record of consumption and repayment.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.

Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

Question 8: My credit information is particularly bad. Can I still apply for a credit card? Hello, if you are a credit card of our bank, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The government /...3 1 Relevant departments generally give priority to recent consumption and repayment records when handling new business.

If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.

Question 9: Is it difficult for every bank to handle credit cards now? Theoretically, yes.

Question 10: I have a bad credit card, but I need money badly now. What should I do if I want to borrow money? For borrowers with bad credit, it is best not to go to the bank for loans, because banks value personal credit and loans are likely to be rejected, so they can apply for loans from microfinance companies. Moreover, it is best to provide collateral. If you apply for a credit loan, you are likely to be rejected. It would be much better to have collateral.

At present, if the borrower is overdue for more than 90 days or more than 6 times in two years, it is basically impossible to get a loan anywhere. Because of this, it depends on how bad the credit is. If it is too bad, you will basically miss the loan. If it is only overdue once or twice, or if it is not serious, it is still very likely to successfully get a loan from a microfinance company.

In addition to small loan companies, friends with bad credit can also choose guarantee companies or get money through pawn shops. However, the fees of these institutions are relatively high, and borrowers need to make repayment plans before applying for loans. Jr 186/ Shi Zhi/For some loan-related information, you can also find a formal loan from a lending institution. I hope it will be helpful to you and I hope it will be adopted.