First of all, the bank's credit information system is not updated in real time, and the central bank has strict requirements for banks to upload customer information.

Credit card data is generally used to record the amount that customers need to repay this month, the actual repayment amount last month, whether it is overdue and when it is overdue after the billing date.

Generally, after the repayment date, the loan data will also record the customer's repayment amount this month, repayment amount last month, overdue and other information.

Moreover, the amount of each credit card consumption and the number of monthly consumption will not be uploaded, but will only be stored in the bank database of loan/credit card issuance to observe the customer's card use. If the customer's use conforms to the rules of credit card limit adjustment, the bank will check the customer's credit status again and show it as post-loan management on the credit report.

Banks need to modify customers' past usage records (overdue disputes, etc.). ), so they need to apply to the central bank, and the central bank will change the customer's credit information after it passes.

There are also flower beds that will not be reflected in the credit information, and most of them will not be borrowed. Unless you have a Taobao shop, you will go to the credit information.

Generally, credit cards are in good condition, and there is no suspicion of overdue or cashing out. If the number of accounts is not particularly large, mortgages will generally be passed. Because mortgage is a special fund, it has not been used by customers, and the purpose of the fund is clear, and there is collateral, so the requirements for credit information are generally lower than those for credit loans. Banks tightening mortgages like this is a special case.