Card friend example
Xiao Qi, a card friend, was in urgent need of capital turnover, so he went to the bank to apply for a loan. The account manager frowned after asking about her credit report. Tell her that it is a little difficult to apply for a loan because of too many inquiries about personal credit reports.
This made Xiao Qi blindsided. She only applied for five or six credit cards in one breath for a period of time, but she didn't expect it to affect the loan.
analyse
When applying for a loan, the bank examines the personal credit report as one of the bases for lending. In personal credit report, inquiry records include inquiry date, inquiry operator, inquiry reason, etc., and are also important reference items for banks. If there are too many inquiry records, it will affect the credit evaluation and lending of financial institutions to customers.
However, it should be noted that the inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on. Among them, credit card approval, guarantee qualification examination and loan approval can belong to negative categories according to risk factors. Too many records of this kind of inquiry will have a bad influence.
This situation in Xiao Qi is mainly due to credit card approval, and credit reports have been inquired by different banks many times. For banks, the frequent application for credit cards at the same time is probably because the applicant is very, very short of money, indicating that this person's financial situation is not good, and the bank will consider whether to approve the loan.
It can be seen that you must find the right way to apply for a credit card, don't apply frequently, and don't apply for more than one at a time. Please refer to the following methods for details:
1, the application channel is exquisite.
Try to choose the counter to apply, which can maximize the success rate of application and reduce the number of inquiries. Before applying for a loan or a credit card, it is best to ensure that the number of loan applications within six months does not exceed five.
2. Reasonably arrange the application cycle.
The inquiry record of general credit report will be eliminated after two years, and the inquiry record of half a year has a great influence. Card friends should try not to apply for loans or credit cards intensively. For example, according to the standard of ICBC CIIS system, it is best not to apply for more than two times a month to avoid the situation of continuous application without income.
3. Don't apply frequently after the application is rejected.
Under normal circumstances, after the initial card application is rejected, it is best to try to apply again after three months. If you apply again in the short term, the bank will not approve it with reference to the initial card application. Re-applying after three months, if you add some economic proof materials, can effectively improve the success rate of card processing.