what about seven credit cards in the credit information system
what about seven credit cards in the credit information system? The common currencies in the world are RMB, USD, Euro, etc. Among the credit cards issued by banks, some credit cards support multiple currencies, and some even support all currencies.
The number of credit cards on personal credit information is determined by the currencies supported by credit cards. For example, ICBC's credit cards basically support more than three currencies, namely RMB, USD and Euro. Then this kind of credit card is actually equivalent to opening three credit card accounts, and the number of three credit cards will also be displayed on the cardholder's personal credit information.
if the cardholder is worried that the number of his personal credit cards will be displayed too much, he can go to the bank to apply for a RMB account alone, that is, a credit card that only supports RMB. If the cardholder does not go abroad often and needs a credit card, it is not necessary to apply for a multi-currency credit card in the bank.
Of course, the number of credit card accounts in this personal credit report will not affect the cardholder's application for mortgage or car loan.
how long can seven credit cards last
The limit of seven credit cards is about 2,, which can last for three years. I hope my answer will help you.
card handling strategy: 7 credit cards that are most suitable for Xiaobai's application
The ten commercial banks we often talk about are: Jiao Tong, Zhao Hua, CITIC, Pu Guang, Ping Ping, Min, Xing Guang. In addition, some local banks, such as Shanghai Bank, are very good. There is a direction we can cut in here. Combined with past experience, the banks that are more friendly to the applicants with three employees are CITIC, Guangfa, China Everbright and Shanghai Pudong Development Bank. Besides, traffic and investment promotion are also good.
start with the savings card. If we open a transfer account in a bank, such as a salary card savings card, it is better to have some running water, so it will be a good choice to start with this bank. It is not difficult to understand this point. From the bank's point of view, personal credit card approval and credit limit are an important basis for cardholders' credit rating, and it is easier to grasp the risk control.
unless you have a good grasp of the credit card approval process and release time, it is best not to apply for too many credit cards at once. Some users will apply for credit cards from several banks online because they are in a hurry to get a card, which will easily have an adverse effect on their credit card application, because all the data will be in the credit information system of the applicant, and banks will doubt whether you are very short of money when they find this information, which will have an adverse effect on your personal score. However, this article is not necessarily true. Some experts have successfully applied for more than a dozen bank credit cards within one month after understanding the operating rules of banks. Of course, this is a special case, and the applicant's personal qualifications must be quite beautiful to achieve this effect.
starting with the general card, then swiping the card to raise the amount, and then upgrading the routine to handle the card with the card is the course for most cardholders from Xiaobai to graduation. There are countless successful cases in this regard, and it is also the most mainstream road at present. The first step is to do more preparatory work and improve your pass rate of applying for a card step by step. The choice of banks and card types might as well start with banks that have done a lot of marketing. For example, when you open a web page to search for credit cards, the web page with the highest frequency appears. At present, there are China Merchants Bank, Ping An Bank and Guangfa Bank, and interested partners may wish to try to apply.
The magic card in the powder cleaning mouth is not only easy to get off the card, but also extremely fast in accumulating points. The application threshold is low, basically you can have a fixed job and a stable income, and it is better to have Alipay flower buds.
you can get multiple points by swiping your card online. General credit cards, online consumption unless it is a designated channel, otherwise you can't get points; CITIC Taobao Card, on the other hand, has a very rich points exchange system, and a large number of points are not wasted. According to your Taobao level, use Alipay to trade quickly, the lowest 1 yuan =3 points, the highest 1 yuan =5 points, and catch up with the activity day, the highest 1 yuan =1 points; For offline transactions (such as pos card swiping), 1 yuan =2 points-which is also the reason why CITIC Taobao Card is known as "the artifact of saving points".
The first credit card for women in China, the most classic one is the health insurance for women that comes with the card. The threshold is low, and women have an advantage in applying. Basically, they can have a fixed job and a stable income. It is better if they have a car or a house under their name. Triple-speed saving points-cardholders can choose the type of merchants with triple points according to their own consumption needs;
This owner's card launched by Guangfa Bank for car owners has special value-added services such as free road rescue and optional refueling concessions. When applying for Guangfa owner's card, users can greatly improve the success rate of applying for a credit card by providing their own car driving license!
This card is specially designed for young people who have just entered the society. They are required to be under 3 years old, and the application threshold is low. If they are just graduates, they should submit a copy of graduation photo certificate and work certificate when applying. In addition, it is also a cost-effective card, for example, the cash withdrawal amount is as high as 1%, the first cash withdrawal every month is free of charge, and you can also enjoy multiple discounts of China Merchants Bank credit card viewing and food.
If you are a deep user of take-away, it is a good choice to get a hungry credit card from Industrial Bank. If you apply through the Hungry APP, you don't need to check your income certificate, and the threshold is low. If you are hungry with good credit information, active users will be approved in seconds. In addition, there are many preferential activities.
as one of the traditional "five big banks", it is not easy for Bank of Communications to emerge a credit card suitable for the majority of small white users. This credit card, called Y-Power, is a card specially designed by Bank of Communications for urban young people. In addition to the low application threshold, it also has many favorable price/performance ratios. In fact, many banks have very good credit cards for Young people, such as the most classic Young card of China Merchants Bank and Pufa Youth Card. Because the Young card of China Merchants Bank is so classic, many people recommend it, so I won't go into details here. Xiaobai friends can also try to apply, and the pass rate will be high.
Friends who are familiar with JD.COM Baitiao know "Little White Card" to some extent, that is, JD.COM Baitiao co-branded credit card. At present, JD Finance has cooperated with 1 banks to launch small white cards, most of which have low application threshold and different consumption preferences. If you often shop in JD.COM, especially if you have opened a white card business and bought 3C products, it is basically no problem to apply for this Minsheng White Card. If you have ever opened a debit card in Minsheng Bank, you can even get a second batch when you apply. It is worth starting.
Statement: The article comes from the Internet and is only for netizens to learn and communicate. If there is any infringement, please contact and delete it.
is it too much to have seven credit cards in your name? There may be these consequences
In order to get enough working capital, many people apply for multiple credit cards. However, it should be said that everything should be measured, and the same is true for credit cards. It is not that the more cards you hold, the better, otherwise it will easily bring some negative effects. Some people here will ask, is it too much to have seven credit cards in your name? Let's take a look at it.
generally speaking, it is good to introduce four credit cards, but the types should not be the same, as long as they can cover four aspects of food, clothing, housing and transportation. And there are 7 credit cards in the name, which has exceeded 3 of 4, which is naturally more. As mentioned earlier, the large number of credit cards will have some negative effects. Here, we will analyze the bank loans that we are most concerned about.
as we all know, when making a bank loan, the bank will check the applicant's credit information with the central bank's credit information system, and the credit information investigation is divided into loan application, credit card application, guarantee qualification examination, etc., which will be displayed in the inquiry column of personal credit information report, and these can let the bank know the applicant's repayment ability and debt situation.
if the applicant has not applied for a loan, nor has he guaranteed others, but only applied for a credit card, then the bank will focus on investigating the credit card-related situation. If there are seven credit cards in the cardholder's name, and the amount is more than 1, yuan, and the income is not very high, that is, it obviously does not match the debt ratio, then the bank's loan approval may not be so smooth.
It happened to a friend who wanted to get a loan to buy a car near the Spring Festival, but the result was not approved at all, because the bank was checking his credit information and found that there were 7 credit cards in his name. He thought that his debt ratio was too high and the loan was risky, and asked him to cancel at least half of the credit cards in his name and come back.
It can be seen that the more credit cards, the better. If you also have seven credit cards in your name and want to do bank loan business, you'd better cancel the useless credit cards first and reduce your debt ratio before applying. Finally, when you don't have enough management ability and execution, don't blindly apply for a credit card, but decide according to your actual situation.
This is the end of the introduction about seven credit cards and seven credit cards affecting mortgage. Did you find the information you need?