Applicants are advised to have a good understanding of their credit data first, and pay special attention to the credit situation of big data. After all, this is one of the main bases for banks to evaluate credit rating and loan amount. Zhiyi Big Data can generate big data reports to reflect the real situation of online loans. Although there may be differences between the two, these data reports can provide you with reference and help.

Then back to the topic, if the comprehensive score of applying for ABC ETC credit card is insufficient, you can consider the following aspects to improve your credit rating:

1. Pay off your loan as much as possible to avoid overdue repayment and bad debts. This is the most important point.

2. Keep a good credit record and try to avoid the negative effects of credit records, such as changing mobile phone numbers and addresses frequently and closing too many credit card accounts.

3. Check your credit report regularly, and correct and deal with mistakes and bad records in time.

4, as far as possible to improve the personal income level and income and expenditure situation, such as reasonable planning of family budget, increase income sources, etc. In addition to a good professional background, academic qualifications will also play a certain role.

5. When applying for a credit card, you should reconfirm the accuracy of the information and keep it true and complete, which will help to strengthen the credibility and reliability of credit.

In a word, it takes long-term efforts and patience to improve the credit rating.