The number and amount of credit cards are not necessarily related to credit reporting, so we can't see what level credit reporting is at.
9 credit cards 1, with a total amount of 200,000, with an average of more than 20,000 points per card. Under normal circumstances, credit card issuers usually give new cards at this level, so there is nothing to say, because credit card processing is not a very difficult thing, as long as you have a relatively stable job.
2. It is not impossible to apply for a credit card if the credit information is not good. Although banks will use credit records as a reference for credit card issuance, they will also serve as an important indicator when setting credit limits. However, from the actual situation, many people with bad credit records, such as overdue repayment on credit card records, can apply for a new credit card. In this way, the number and limit of credit cards do not represent a person's credit level.
Finally, is it too much to hold 9 credit cards? According to the forecast of relevant institutions, it is estimated that by this year, the total number of credit cards issued by card issuers will be about 900 million, that is to say, the average credit card in China is about 0.64, while the average credit card in the United States is 6. So nine cards is really too many. If all cards are activated, using so many cards every month will waste a lot of thoughts on card management.
So, let alone nine credit cards, that is, 19, it doesn't mean anything, because this is normal. Most people who have a slightly stable job can apply for many credit cards, but there is no need to do so.
# Wealth Management Competition Season 3 # Hello, my friend, if you have a question, the limit of 9 credit cards is 200,000.
From the analysis of personal credit, it is very general. But it also faces many uncertain credit information and risks.
First of all, to analyze his personal credit situation:
1, 9 credit cards. Credit cards, not the more the better. The reason why there are 9 credit cards is probably related to the promotion of credit cards in previous years.
2. The total amount is 200,000 yuan. Obviously, if Jane averages: 200,000 9 cards = 22,200 yuan (Jane averages each card). Obviously, the credit card limit is very low, indicating that it is difficult for individuals to increase their income or in some ways.
Summary: the number of credit cards is a bit large. It may be related to personal income or other actual conditions, the frequency of credit card use, the amount of money used, etc.
Secondly, there are some potential risks:
1, consuming energy. Nine cards are time-consuming and easy to make mistakes. If you don't use it, it is difficult to increase the quota or play a role.
2. Chain reaction risk. Once one card is overdue or broken, the whole nine credit cards will be affected and the chain will be broken.
3. Other risks. For example, too many credit cards, especially the risks brought by financial activities, and too many credit cards and usage records will cause risk control vigilance.
Conclusion: There are many potential risks. Of course, if there is a lot of stable income, that is another matter.
To sum up:
Nine credit cards with a total amount of 200,000. On average, each card is only 22 thousand. Obviously, from the credit card amount, quantity and other aspects, the situation of no letter is very common. If you want to increase the quota in the future, it is difficult and there are many potential risks.
We can consider overall management, choose 1~2 credit card, maintain good use and credit, increase credit limit, maintain normal and good records, and gradually clean up. In this way, it is more advantageous,
Improve personal credit and make credit information more stable.
The total amount of 9 credit cards is only 200,000. It can be clearly seen that your personal qualifications are not very good and your debt ratio is too high!
If your current credit card is not fully consumed, your personal credit information is in good condition.
If the credit lines of nine credit cards have been used up, and the utilization rate of credit lines exceeds 80%, personal credit information is a high-risk group, with high debt ratio and uncertain repayment ability.
If only 50% of the credit lines of 9 credit cards are used, the remaining 50% of the credit lines are unused, and there is no overdue for more than 90 days, then the personal credit information is excellent.
If you have nine credit cards, and all nine credit card channels are intermittently overdue, your personal credit information is poor, your repayment feeling is poor, and your default probability is good, then you are a low-risk user.
If the credit card is overdue for more than 90 days in the personal credit investigation, the personal credit investigation belongs to a high-risk group, and there is a high probability that the nine credit cards held will not be repaid on time, and the risk of major changes in the cardholder's income is extremely high.
It is not recommended that the general public handle too many credit cards, because too many credit cards will obviously increase the debt ratio, and the credit limit of a single credit card will be lower and lower, which will be very troublesome to manage and easily lead to overdue repayment of a credit card!
In fact, it is reasonable for ordinary people to have 3-4 credit cards. If you feel that the credit line is not enough, you can diversify your consumption for 3-6 months, which can basically increase the credit line.
Nine credit cards have a credit limit of 200,000, and the credit rating is average. The total credit line of an ordinary person with normal capital is around 200,000. It is good for a person to hold four or five credit cards normally. The average credit rating of each credit card is 50,000. The average credit rating of your nine credit cards is less than 25,000, which is average.
Hello, I'm Zhongyuan Cafe.
First of all, you still have a large number of credit cards. Nine credit cards total 200 thousand, with an average of more than 20 thousand each, not low.
Secondly, the quality of credit information cannot be determined by the number and amount of credit cards alone. The quality of credit information depends on whether you are overdue, whether the debt ratio is high or not, how much assets you have, and so on.
In short, the evaluation criteria of credit reporting are various, and we can't just look at the number of credit cards and credit lines.
Nine credit cards, with a limit of 200 thousand, not too high, not too much.
I have credit cards from 20 banks, and the credit line exceeds 654.38+00,000. I don't think I have more credit cards and a higher credit limit. Many people around me still have more credit cards with high credit lines.
As for the level of credit information, it is not how many credit cards and lines there are.
Credit is good, mainly depends on the following aspects:
Overdue situation
In the process of using the credit card, do you repay it on time? Is it overdue at present? Are there many overdue times? These overdue records will seriously affect our credit information.
Query record
When we apply for a credit card or loan, the credit information will show the credit card or loan approval record. If there are too many recent approval records, our credit information will be affected.
Credit card usage limit
Credit information will show the amount of credit card used, and when its proportion in the total credit card exceeds a certain amount, it will be considered as high debt.
Average credit card usage in the past six months
It should be said that the credit card usage limit in the past six months shows our recent debt situation more intuitively. After all, we can reduce the credit card usage by paying off a large amount, but the average usage within six months cannot be easily reduced.
Therefore, the number and total amount of credit cards are not the most direct impact on our credit investigation. Good credit depends on how we use credit cards.
This proves that credit card holders have been recognized and granted credit by many banks!
Before getting 9 credit cards and 200,000 credit lines, this person's credit information is excellent!
After obtaining 9 credit cards and 200,000 credit lines, the credit information of credit card holders is still excellent. When using credit cards normally, you must protect your reputation and don't overdue it.
Especially when handling some bank loans and financing, credit card holders are more likely to be recognized by banks than those without credit cards.
On the other hand, credit card holders are more recognized by relevant institutions and individuals than those without loans and credit cards!
1, 9 credit cards, and the limit of 200,000 can only show that you are not a white household. There are many credit cards and the total credit is not high;
2. As long as it is not overdue, your credit information is normal;
3, credit card debt to see the average use of half a year. If it exceeds 80% of the total credit line, it means that the credit card debt is too high. It has an impact on applying for credit cards and loans.
4. In addition to liabilities, credit records also look at institutional inquiry records and overdue records.
5, rational consumption, cherish personal credit records!
Hello, futures Chu Xiao, as an old man who has been engaged in the financial industry for more than ten years, a national financial planner and a credit card expert, holds at most a dozen credit cards and has many years of experience in financial management and credit card use. Let me answer your question briefly.
First of all, let's look at the concept of credit reporting.
Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Secondly, about the related concepts of credit cards.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card can be simply understood as the right to use short-term loans.
Third, back to the topic "9 credit cards with a total amount of 200,000. What is the credit rating? "
The number and amount of credit cards are not necessarily related to credit reporting, so we can't see what level credit reporting is at.
However, the personal credit report will record all credit card conditions and limits, as well as whether there is any overdue situation. If the credit card is overdue in the past two years, the credit investigation is equivalent to a stain.
If you apply for a credit card on a large scale at the same time, you will leave the inquiry records of various banks in the credit information, so be sure to remember.
Futures Chu Xiao reminds everyone that credit card is a double-edged sword, and the key lies in how to use it, how to use it rationally and how to plan it rationally.
Credit information is mainly related to the use of your credit card and loans. As the information you provide is limited, you can refer to my personal opinion.
1. The debt ratio is 200,000 credit cards, and the overdraft limit does not exceed 6,543,800+million. The credit report shows a good debt ratio. Overdraft10-160,000, with medium debt ratio. If the overdraft exceeds160,000, the debt ratio is high. (Credit card only)
Second: the number of inquiries, the number of recent credit card approvals and the number of loan approvals, the less the better.
Third: overdue, this is very important. Less overdue times, discontinuous 3 tired 6, small overdue amount, and so on.
Fourth, the personal information of credit information is updated (mainly work information and residence information). The stability in the eyes of banks means working and living in the same place for a long time.
You can make a letter of credit for reference. Personal inquiries are not included in the number of credit inquiries.
Is it legal for China Bank to charge 654.38+million for 200,000 credit cards?
Illegal. According to the official data of the Deputy Bank of China, the handling fee of the Deputy Bank of China's credit card is 2% for 200,000 yuan, and the illegal charge is 65,438+10,000 yuan, which can be handled by the police. Credit card, also called debit card, is a kind of card issued by commercial banks and credit card companies. Its main function is to overdraw consumption.
How to handle a large credit card
For many cardholders, the higher the credit card limit, the more money they can overdraw, so more and more people expect a large credit card. But the dream is beautiful, but the reality is too skinny. A large credit card is not what you want to do. However, as long as you master some card handling skills, you still have the opportunity to apply.
First of all, let's learn what a large credit card is.
So a large credit card refers to a credit card with a high amount. So, how much can be considered a large amount? Here, we have to start from the credit card level. After all, the credit card level is different, and the scope of credit limit is different.
Credit cards usually include Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card. Generally, the limit of general card is no more than 1 10,000 yuan, the limit of gold card is between1-50,000 yuan, and the limit of platinum card and above is 50,000 yuan.
It can be seen that large credit cards usually refer to credit cards with platinum cards and above.
So, how can I apply for a large credit card?
1. Submit a weighty financial certificate:
For large credit cards, the choice of banks is irrelevant. The key is whether the real estate license meets the requirements of this bank. Financial proof generally refers to the proof of real estate, automobile production and wealth management products under the name of an individual.
Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).
If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.
2. Use cards to handle cards
It is the most effective way to apply for a large credit card with a card. Many card friends rely on a long-used credit card as proof of financial resources to get more credit cards. Of course, there are conditions for using a card to handle a card.
Let's take Minsheng Bank as an example. To use a card, a cardholder must hold a credit card with a credit limit of more than 40 thousand and a use time of more than half a year in order to obtain a standard platinum card. To apply for a luxury platinum card, the credit card limit required is more than 80,000, and the credit card limit required for a diamond card is more than 1.5 million.
Tips for successfully handling ICBC's large credit card (debit card)!
Beautiful skins are the same, but you are the only interesting soul. But whether you are beautiful skin or interesting soul, you can't make a difference because you are poor.
It's the end of the year, and it's time for everyone to make a general ledger. After a hard year, are you getting farther and farther away from the goals set at the beginning of the year?
What do you think of first when the funds are vacant? Borrowing money, of course But at least, everyone is in the Jianghu. No shame? The key point is that in this society, everyone seems to be the "negative" second generation and can't get along with anyone. So the emergence of credit cards (debit cards) is not so in line with the trend. When the funds are tight at the end of the year, it may be slow to increase the quota by credit card (debit card) and it cannot be saved. At this time, it is more reliable and realistic to apply for a card.
Among many banks, ICBC, known as the "first bank in the universe", is the most complained by many card friends about handling cards. Obviously, other banks have set up several credit cards (debit cards), but they have not conquered ICBC. So today Xiaoxue will summarize the skills of applying for ICBC credit card (debit card).
Card friends have many nicknames for ICBC, such as Cosmic Bank, Cabbage Card and Aunt Bank. How did these nicknames come from?
The first line of the universe.
China Industrial and Commercial Bank is a listed bank with the largest market value, the largest customer deposits and the most profits, with outlets all over the streets. Let's look at the English abbreviations of ICBC. We often say "love survives", which is full of domineering and is called the first line of the universe.
Cabbage card
ICBC credit card (debit card) has this nickname because there is a peony flower on the card face of ICBC credit card (debit card), which looks like a Chinese cabbage at first glance. More importantly, many people's card approval quota will be very low, ranging from a few cents to hundreds. Credit card (credit card) is also called Chinese cabbage card.
Auntie can do it.
The source of aunts is that most of ICBC's counter tellers are middle-aged women, and customers call ICBC "bank aunt" in order to express their "love" for ICBC.
After learning about the past life of ICBC from these nicknames, let's learn how to apply for credit information to the greatest extent. You can do this:
I'm afraid I can't always apply for the first card. Due to credit problems, the card cannot be approved. If the credit needs to be repaired, you can contact me. There are many skills about applying for a credit card (debit card), leaving a card and raising the limit. You can apply for a single currency card first. The following recommendations are recommended for all major activities of ICBC.
Peony MasterCard standard platinum credit card (credit card): referred to as ICBC black and white food card, with 2 accounts, is a platinum veteran of ICBC and has just been re-listed.
ICBC Zodiac Card: UnionPay single currency, with time tolerance, which is very important. ICBC forgot to repay 1 day for the card with no time tolerance, and the penalty interest should not be too much. As for whether it is late 1 day, it is still uncertain. Just buy one. Star cards are multi-currency, as are Struggle cards and airline co-branded cards.
At the end of the year, banks were well funded and credit card applications were generally relaxed. I'll teach you a trick to successfully handle ICBC's large credit card (debit card)!
ICBC is a bank that pays more attention to assets and flowing water. Of course, so are several other banks. After all, no bank wants to put its golden beans in the pockets of the "poor". What if it can't get in, don't you think? Therefore, assets and running water have become important proof materials for your card. There are generally these two kinds, and it is not a problem to approve cards.
Tap water:
The so-called "running water" is your trading information, commonly known as don't control spending money! If you spend more, this transaction flow will naturally accumulate. You can say that I don't even have money. How much is the charge? But Xiaoxue wants to say, I can't bear to let my children catch wolves. Do you still want big names?
Mode:
Purchase ICBC's wealth management products, adhere to the principle of "buy in Qian Duoduo, buy with less money", and accumulate running water according to the principle of buying and selling.
I also bought an easy cleaner to operate the running water. In this way, when you open the mobile banking application card, the pre-approved amount of the credit card (debit card) will come out.
Assets:
Except your car and house, the deposit can be pledged. If you want to apply for a big card, you need to do so.
If you want to apply for a credit card (debit card) with a limit of 200,000 yuan, you need to prepare 6,543,800 yuan by yourself. Of course, this is not enough. You also need to raise 900,000 yuan (one day) and deposit a total of 6,543,800 yuan in ICBC. After a day, you can borrow 900 thousand first, and then wait for a large credit card (debit card) Well, it's time to fight for strength and popularity.
This concludes the introduction of how to apply for a 200,000 credit card and how to apply for a 200,000 credit card. Did you find the information you needed?