Many friends use credit cards, but they always use up all the quotas. This is actually not very good, there will be all kinds of hidden dangers. For example, some people will ask whether the higher the credit card limit is, the worse the credit information is. Let's discuss the relationship between credit card limit and credit information today.
The higher the credit card limit, the worse the credit information?
That's not true. There is no direct relationship between credit card limit and credit investigation. Usually, if the credit information is poor, it may be because the credit card limit is too high, which exceeds the cardholder's repayment ability, and the cardholder's overdue repayment will make the credit information worse. If it is only used high, but it can be repaid in full or at the minimum amount on schedule every month, the credit will not deteriorate.
However, it should be noted that the higher the credit line used, even if it can be repaid on time, there will be hidden dangers, because the second-generation credit information will not only record the total credit line and monthly repayment amount of the credit card, but also see the overdraft limit of each month, and judge whether the cardholder has used the credit card according to the regulations with 6 months as the standard.
For example, the average overdraft limit in the first six months exceeds the monthly repayment amount, but the cardholder can repay on time, so it is easy to be suspected that the cardholder is suspected of reversing the card, and all of them swipe their cards in large quantities after the credit card bill date. This kind of credit information for cardholders is very risky, and banks may reduce the credit card limit or seal the card at any time.
Therefore, it is best for cardholders to spend their credit cards within their own ability, repay on time, and develop good card use behavior without worrying about the deterioration of credit information. On the contrary, cardholders have accumulated good credit by constantly using their cards, which makes the credit information better and better.
The above is "The higher the credit card limit, the worse the credit information?" I hope it will help everyone.
Let's discuss the advantages and disadvantages of ICBC credit cards.
The biggest advantage is the convenience of repayment. There are many ways to automatically repay with your ICBC ordinary debit card, and automatically repay from the debit card when it is due. Don't forget. You can also deposit money directly at the atm and go to the counter, or you can hang your credit card on your online banking and transfer money between your accounts through online banking. The interest-free repayment period is 24-56 days, which is very long. In addition, there are many foreign ICBC agents, which may not be as advantageous as Bank of China. But if you want to be more convenient at home and abroad, ICBC is still good.
Other banks, such as China Merchants Bank and Minsheng Bank, have many types of credit cards, which look better, but their basic consumption functions are the same. But they have almost no way out. If there are no outlets near home, you have to travel long distances or remit money across banks, and there is a handling fee.
As for changing the card, just call 95588. I don't know why it's inconvenient upstairs, but it's quite convenient.
The disadvantage is that the card face is not very fashionable, and there are not many joint names with other units. It is not so good to exchange credit card points for gifts. There is also a strict review when handling, which is not so easy to handle, and the initial credit line given is not too high.
Credit cards are mainly used to facilitate consumption and accumulate credit. What to choose depends on your own needs.
Do you want to continue using expired credit cards? Look at this guide.
Many cardholders' credit cards are overdue, but they have paid back the money immediately, but they have generated bad credit. I don't know whether to continue using this card. After all, even using a card can't eliminate bad records. Let's discuss it today.
In fact, as long as the credit card has not been blocked, frozen or stopped by the bank after it is overdue, it is recommended to continue to use the card if the card can be used normally. After all, the overdue credit card is already under the risk control of the bank. Only by using cards and repayment, let banks know their spending power and repayment ability, and regain the trust of banks, can they have the opportunity to lift the risk control.
As for how to use the card well, you have to master certain skills.
1. Repayment on time is not overdue. If the overdue credit card has been used continuously for 2 years, the bad credit record can be covered. If the period is overdue again, the loan recovery time will be extended for 5 years. In order to avoid this situation, it is better to repay on time.
2, the real consumption standard card. Most of them are consumed by special merchants in banks, and the consumption scenes are diversified. Online and offline combination, small amount and multi-brush, occasionally keep the monthly credit card amount at around 30%, and use the card during normal business hours.
3. Make an occasional contribution. For example, you can apply for credit card installment, such as transaction installment and cash installment, and make a contribution to the bank. The first choice is transaction installment. The biggest motivation for banks to issue cards is to encourage consumption. Cash installment is a bit like borrowing money. Banks should monitor the flow of funds and think that borrowers have poor repayment ability, so the effect is not obvious.
4. Avoid the minimum repayment amount. If the credit card amount is too large to pay after consumption, it is best to pay by installments, and it is best not to pay the minimum amount. The minimum repayment amount can only solve the urgent need, which will expose the problem of insufficient repayment ability of cardholders, and banks will increase risk control.
Whether the credit card is less than 50 thousand is discussed in two situations.
As we all know, after a credit card is overdrawn, it must be repaid on time. If you owe money, you may be sued by the bank and may be investigated for criminal responsibility. The "Decision" issued by two high schools raised the credit card sentencing standard to 50,000 yuan, and many people think that the penalty below 50,000 yuan is not imposed. So, is this true or not? Let's have a look.
This is definitely not true.
If the credit card is not repaid, the bank will take legal channels to collect it after repeated unsuccessful collection, for example, according to two situations:
The first case:
If the principal is in arrears of more than 50,000 yuan and the overdue time is more than 3 months, it is a crime of malicious overdraft of credit cards after being effectively collected by the bank twice. The bank will report the case to the public security organ.
After the public security organ investigates and files a case, it submits the case to the procuratorate for review. After examining the case, the procuratorate finds that the facts of the case are clear and the evidence is conclusive, and it will prosecute the people. This kind of lawsuit is a criminal lawsuit, which will give the credit card holder a sentence.
However, if the cardholder maliciously overdraws a large amount (the principal owed is more than 50,000 yuan but less than 500,000 yuan), but all of them are returned before prosecution, or there are other minor circumstances, the principle of leniency can also be accepted.
The second case:
If the principal owed by the credit card is less than 50,000 yuan, it is a malicious overdraft. However, because the overdraft amount does not reach the standard of large amount, it does not constitute a credit card, so it will not be handed over to the procuratorate. Although public prosecution can be avoided, banks can also directly file civil lawsuits.
Compared with criminal litigation, civil litigation does not need to be investigated for criminal responsibility, but it will sentence the cardholder to repay. If you don't implement it, you may be included in the list of people who have broken faith and become an old lai, and you may even be sentenced for refusing to implement it.
Summary: In short, credit card overdraft is less than 50,000, although it does not meet the sentencing standards of credit cards, it may also be punished, so don't try your luck, and timely repayment is the right way.
Do you have any suggestions for soliciting opinions on the new credit card regulations?
Using credit cards for spending is a very common thing in our lives, especially for many young people, whose daily lives are inseparable from credit cards. In order to further implement the supervision of credit cards, China Banking Regulatory Commission began to solicit opinions from the public and put forward the following suggestions for credit card editors.
1. Strengthen the review of credit cards.
At present, the application process of credit card is very simple. Applicants can apply through the bank counter as long as they provide personal information such as ID cards, and the pass rate is very high. It is precisely because of the high pass rate of credit cards that many young people rely more and more on credit cards for consumption, which has also developed many young people's deformed consumption concepts. Therefore, Bian Xiao suggested that banks should strengthen the examination of credit cards, focus on the income of credit card applicants, and reject the requests of those applicants with low or no income.
2. Improve the cash withdrawal function of credit cards.
We know that many credit cards don't support cash withdrawal, but many credit card holders often make false consumption through some illegal POS machines to cash out the consumption quota in their credit cards. This kind of behavior is illegal and seriously disrupts the normal market economic order. Many criminals also earn a lot of commissions by providing credit card cash withdrawal services. However, if banks can improve the function of cash withdrawal by credit card so that credit card holders can withdraw cash through bank self-service ATMs, the phenomenon of illegal cash withdrawal will gradually disappear.
3. Stop the confusion of credit card processing
Many bank service personnel often hold some activities in some public places to promote their bank's credit cards. They will give gifts or shopping cards to guide consumers to apply for their bank's credit card. Many users choose to apply for credit cards for so-called gifts. These credit cards will not be opened or the utilization rate is very low. Relevant departments must stop this chaos and let credit cards play a real role.
These are some personal views of Bian Xiao. I don't know what you think of credit cards. Welcome everyone to discuss together.
So much for the discussion about credit cards.