1. The average usage limit in the credit report refers to the monthly usage limit of credit cards. Your average display power of 2.6W means that you use an average of 2.6W every month. You don't think you have used so many credit cards. Maybe you haven't calculated them carefully or have some expenses, but you can check the consumption details of other cards you think you are using. Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. The form is a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back.

2. Credit reports are divided into personal credit reports and enterprise credit reports. It is a personal credit information record released by the Credit Information Center of the People's Bank of China, which is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories: personal basic information, credit transaction information and other information. 2065438+May 2009, the new version of personal credit information was officially launched, which further improved the length and fineness of credit information. On June 65438+1October 65438+September, 2020, the second generation credit information system was officially launched. The new version of the central bank's personal credit information system was put into operation, and the "validity period" of overdue records was officially set at 5 years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted. Because the relevant departments have no clear time limit for negative records, overdue records will be displayed in the old personal credit report, no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

3. In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit cards or loans overdue appeared. Because banks and units will refer to these credit records, long-term negative information will have a serious impact on their lives and work. The introduction of the new credit report of the central bank is tantamount to giving individual consumers who have paid off overdue debts an opportunity to rebuild themselves, re-establish and accumulate personal credit records. It is reported that if there is negative information in the personal credit report, residents are likely to be affected when applying for credit cards and housing loans.