CITIC New Express is a cash installment business developed by CITIC Bank to meet the large cash needs of cardholders and can be used in the consumer field. It can enjoy an interest-free period and the rate is cheaper than credit card cash withdrawals. However, many cardholders have heard that Xinkuaixian will be subject to a credit check, and they are worried that it will affect their personal credit after processing. Next, let’s introduce to you whether CITIC’s new express will affect your credit.

Will CITIC New Express affect credit? Although the new Kuai Xian is subject to a credit report, the new Kuai Cash limit will not be separately mentioned in the credit report, but will be managed as a temporary limit. The form reflected in the credit report is "fixed limit + temporary limit". The fixed limit is for credit cards other than New Kuai Cash, and the temporary limit is the cash installment electronic credit card used for New Kuai Cash. This situation is often treated as neutral information and will not affect your credit. But there is one thing. If you fail to repay in time when applying for new express cash, or if you repay but do not repay it to the cash installment electronic credit card account, it will be overdue, and CITIC Bank will report the cardholder's overdue information. If you go to the central bank's credit reporting system, a bad credit record will appear on your personal credit report. In the credit card society, the importance of credit reporting is self-evident. Once a credit card is tainted, no matter whether it is handling any bank credit business in the future, such as credit cards, loan applications, etc., or making some high-end purchases, such as high-speed rail or airplane rides , will bring certain obstacles. For this reason, if you want CITIC New Express to not affect your credit, the most important thing is to repay on time. In order to avoid being overdue and affecting your credit card, before applying for a new quick cash payment, you must clearly understand the terms of the loan contract, such as installment fees and other related fees. You must handle the application on the premise that you have sufficient repayment ability. At the same time, you must understand the repayment clearly. The loan will be repaid within the repayment period as agreed. In general, CITIC Xinkuaixian is still a pretty good cash installment business. Cardholders with good qualifications can enjoy the handling fee. For example, the minimum is said to be 0.38%. If you meet the conditions, you can try it. Bundle.