First, the meaning of comprehensive score
Financial institutions or banks, according to the applicant's credit big data and the applicant's internal score in the bank, the final score is a comprehensive score;
Mainly include: age, education, work, education, marriage, fixed assets, financial assets, credit information, liabilities, big data and so on.
Second, the reasons for insufficient comprehensive scores
1, Credit Information Big Data
A. There are overdue records for credit investigation: the current overdue and settlement time are overdue within 2 years (serious points will be deducted);
B. The number of credit reporting agencies exceeds the limit: there are too many credit reporting agencies in the last three months, and the number of credit reporting applications has exceeded 9 times (serious fee deduction);
C. There are too many records of small loans: there are too many records of applying for small loans in recent years 1 year, and there are still unsettled ones in use (serious points are deducted);
solution
If it is overdue, it must be solved first, and then whether it can be eliminated can be negotiated according to the actual situation; According to the skills mentioned in the live course, the credit information flower uses foreign currency to create 3 N credit information, which can be repaired in 3 months; Small loans are settled first, and then repaired by the same credit reporting method.
2. The applicant's application materials and qualifications
A. The application materials are over-packaged: the application materials filled in each time change greatly, which is inconsistent with the actual situation of the individual, and it is easy to be blacklisted directly, and the application is rejected (with serious points deducted).
B, the applicant's qualification score is insufficient: the applicant has no business dealings in the bank and no assets, and belongs to the common "three noes". In addition, the application materials have no extra points, and the credit information is general, which is easy to be rejected;
solution
The application materials are "reasonably integrated" and don't exaggerate blindly. Fill in the application form reasonably according to "Apply for Credit Card Core 1 1", and you can get the highest score of the application materials in the most reasonable range to meet the requirements of card issuance; If you want to pursue a high credit limit, you should combine the attention of various banks before applying for the card, improve the internal score of the bank and then apply. The credit limit is basically 3-8w.
3. Debt and debt ratio
A. High debt: there are many credit cards, and the amount is large, and the overall debt is high (corresponding points will be deducted according to the characteristics of different banks and institutions);
B. High debt ratio: the utilization rate of holding credit cards is high, and the amount retained in the cards is small (corresponding points are deducted according to the characteristics of different banks and institutions).
solution
For card friends who are heavily in debt, they can only improve their total credit line by upgrading their qualifications and assets; For cardholders with high debt ratio, reduce the utilization rate of credit cards to below 80% and try to maintain the credit card limit of 20%. If it is really difficult, you can repay 1w to 20w by paying a small sum of money in the live class.