(1) Improve credit reporting: The key factor of insufficient comprehensive score is the low credit reporting record. The way to improve credit reporting is that applicants should ensure that they will not apply for credit cards or other credit products within six months. (2) Reduce debt: The level of debt ratio determines the degree of coordination of assets. Paying off part of your debts first can effectively reduce your debts and improve your comprehensive score.

Activate ABC credit card first, call ABC customer service telephone number 8008 195599, select "3" and activate, or bring your ID card and credit card to ABC business outlets to activate.

After activation, it can be used directly, and it can be consumed directly by swiping a card at a merchant with a pos machine. After spending by credit card, there will be a fixed repayment date. Just pay off the debt on the repayment date. Be sure to repay the loan on time, and it is best not to be overdue. Through 24,064 branches, 30,089 ATMs and 65,438+065,438+0765,438+0 overseas correspondent banks all over the world, China Agricultural Bank provides convenient, efficient and high-quality financial services to more than 350 million customers worldwide with the most extensive network system and leading information technology advantages.

There are 2,346/kloc-0 domestic branches of China Agricultural Bank, including the head office, 32 tier-one branches, 5 directly affiliated branches, 3 16 tier-two branches, 3,479 tier-one branches,19,573 grass-roots business institutions and 55 other institutions. Overseas branches include 3 overseas branches and 4 overseas representative offices. The main holding subsidiaries include 6 domestic holding subsidiaries and 3 overseas holding subsidiaries.

At the end of 20 10, the total assets exceeded 10 trillion yuan and 201.68 trillion yuan, accounting for 1 1.3% of the total assets of China's banking industry. It is one of the largest listed commercial banks in China. 20 1 1 At the end of the year, all kinds of deposits reached 9.62 trillion yuan, all kinds of loans were about 5.63 trillion yuan, the capital adequacy ratio was 1 1.94%, and the core capital adequacy ratio was 9.75%, all of which were at a high level. 20 1 1 At the end of the year, the NPL ratios were respectively. The annual report of the Agricultural Bank of China also shows that its intermediary business has developed the fastest, and the net fee and commission income for the whole year is about 46128 million yuan, an increase of about148.8 million yuan over the previous year, with an increase of more than 30%. If the fee income from the disposal of non-performing assets of the Ministry of Finance is excluded, the growth rate can be further increased to 42.8%, including electronic banking, credit cards, investment banks and agency insurance.