Regarding credit reporting, many card friends believe that as long as it is not overdue, it means that credit reporting is good. However, the new version of credit information was officially launched in May, which is even more difficult for card friends who are heavily in debt, that is to say, they are anxious. Silver offers several solutions for everyone.

1, cancel the redundant credit card.

The average person holds no more than five cards. When issuing credit cards, banks need to consider the applicant's total credit limit. If the number of cards shown in your credit report is too large, the bank will reject your card application request.

In this case, Xiaoyin suggests canceling redundant credit cards, such as those of the same bank, as long as you have a card with more rights and higher quota.

2. Repayment method before the bill date

Card friends refuse to apply for a card when the debt is too high, but they can repay the debt in advance, so that the "debt" in your credit report will be reduced. When you apply for a card, the bank card will not be rejected because of high debt.

Step 3 repay by installments

If the debt of a single credit card is high, you can choose to repay it in installments.

For example, Xiao Wang has a debt of 200,000 yuan, but he has paid it back in 36 months. Then the credit report doesn't show installment payment, and your real debt is hidden. Credit information only shows your recent repayment.

However, we need to remind everyone that it should be used in stages to avoid generating more debts.

Step 4 cancel the guarantee

Giving others a "guarantee" will also be reflected in the credit report. Even if it is not your own debt, there are certain risks in guaranteeing others. The bank will think you are too risky. What if it is necessary? As a last resort, Baiyin suggests not to lighten up.

5. Don't handle the "business" at will before handling the card.

If you are going to apply for large loans such as credit card loans, it is recommended that card friends do not frequently apply for various small loan platforms at will. The risk and debt are too high for the bank to grant you a card.

Therefore, cardholders who are over-indebted want to successfully apply for a credit card, they must reduce the debt ratio through drugs, and then find ways to improve their qualifications and applications.

Second, the credit card owes 200,000 yuan, which has been paid back. Does it affect the loan to buy a house?

If you borrow 0.2 million/200 thousand with a credit card, it will definitely affect your loan to buy a house, because your credit will be audited. Once you have too much debt in your credit report, it will affect your ability to bring home a house.

3. I'm not an illegal account, but I have several small loans with a credit card debt of 200,000. Now I am applying for a small loan. ...

Now smart cards pay more attention to this loophole, and you can pay attention to the inquiry of credit line of WeChat official account, which has the following functions.

Intelligent repayment: 5%- 10% of the funds are used for full bill repayment.

Easy to operate: one-click app can set up the automatic repayment plan online.

Timely arrival: after the plan is implemented, the funds will be returned to the credit card immediately.

Perfect bill: avoid risk control, have zero sum and whole, and make the bill richer.

Card withdrawal amount: There are points in the whole process of consumption, and the account in the card is more abundant.

It's really useful. In fact, many credit cards are overdue because they have forgotten to return them.