5 thoughts on “Why do I have always been killed by my credit card? What does the comprehensive score refer to?”
Roman
Hello, the application for the application of credit cards is comprehensively evaluated by the system. There are many reference factors, such as work, income, stability, personal credit and other aspects, which are not determined by unilateral factors. Maybe the information you attached when you first applied failed to fully display your personal situation, so the application failed. In addition, the domestic personal credit record system has not been improved. Each bank has passed internal assessment when reviewing credit cards, and the standard settings will be different. Because credit standards and scoring standards are internal work confidentiality of banks, the factors involving risk cannot be announced to the society. Please understand this. You can call 800-820-5555 to request re-review, hoping that you can provide us with more reference materials. If you are currently unwilling to attach the information, you can also apply for the application after 3-6 months of the first application. (You can consult the China Merchants Bank credit card service information you want to know online through QQ or WeChat. Method 1: Search among QQ corporate friends, and add China Merchants Bank Credit Card Center as friends; Method 2: Search for number " "And follow China Merchants Bank Credit Card Center)
The proportion, after everyone applying for a credit card is rejected, receives text messages or calls customer service. The general reason is that the comprehensive score is insufficient. Most people will definitely be confused. For example, some cardholders think that my credit card and mortgage have nothing more than overdue, and credit reporting is good. Why is there insufficient comprehensive scores? What are comprehensive scores and what factors will be affected by comprehensive scores? Yifan Credit will talk to you about the lack of comprehensive credit scores.
The comprehensive score is a comprehensive assessment of the bank's personal qualifications of the cardholder or cardholder and the past card situation. An important factor that leads to lack of comprehensive scores is credit reports, and personal credit records are closely related to this. So what do you read when evaluating the credit report?
1. The overdue situation of history
The cardholders do not understand the credit reporting, so they do not pay attention to it. The report left a stain.
2, liabilities
liability rate = total use credit quota/total credit quota (fixed temporary loan). However, small loans, mortgage loans, and credit loans, including credit card bills, will be calculated to the debt ratio. When your debt ratio is too high, it will affect the comprehensive score. How to solve this problem, you can try the following methods: First of all, we can use the installment method to reduce the overall liabilities of personal credit cards. Let's take a look at how the personal credit report shows liabilities.
For example: "Loan card (RMB account) issued by Bank of Communications on September 11, 2014. As of May 2017, the credit limit was 210,000, and the amount of 6368 has been used."
"The amount of 6368 has been used", this is the repayment amount of your last month's bill. The repayment amount of the bill is not equal to liabilities, and it is less than equal to liabilities. How to make it less liabilities? It is possible when you handle the installment. Let me briefly explain to you, in the case just now, in fact, the cardholder has just handled a 36 -month and 180,000 cash installment. His liabilities should be 180,000, but the 180,000 will be repaid until 36 months. Specific to this period of May, only 6368 will be repaid, and the letter is only displayed in the letter.
It can be repaid by the bill a few days ago. This method is suitable for friends who can mobilize some cash at hand. The letter mentioned in the liability method in installments is "pseudo -liabilities", which is the repayment of bills in the last month. If you have some cash on hand, you can pay the arrears in advance before the bill daily account, so that the "debt" level in your letter will be very low. For example, you can pay off the debt on the 1st, and you can return it on the 8th. You only need to call cash for 3 days, which can make the debt rate displayed on the credit report on the credit report lower.
In the end we can adopt the adjustment of the application for adjustment. Some friends are lacking money. Immediately thought of applying for another credit card, and then we thought of online loan. This is actually not the best countermeasure. The point is that some online loans cannot report personal credit reports. Credit cards must have personal credit reports. If you apply for a credit card first and swipe your card, your personal credit report liabilities will go up. At this time, you apply for online loans. Online loan checks your personal credit report, and may refuse to lend or raise interest because of excessive liabilities. But if you change the way, you can apply for the online loan that cannot apply for credit, and solve some of your funds, but your personal credit report has not changed. At this time, if you are still lacking money, you can apply for a credit card again, but the interest of online loans is generally higher than the bank, and you can choose according to your own situation.
3, others.
The other reasons, too many applications, excessive online loans, etc.
Ifan credit suggestions: Liabilities will gradually increase over time, reduce liabilities The best way is to make money and eventually reach an irreplaceable situation. Friends who advise those who have neither professional knowledge nor reasonable investment channels must reasonably analyze their repayment capabilities when using credit cards or credit financial products, to avoid their liabilities and be trapped in the quagmire.
The comprehensive score is based on your situation (such as the nature of work unit, income level, marriage, position, card holding consumption, etc.) to score. Give you a card. This is the so -called insufficient comprehensive score.
Credit card review needs to be comprehensively evaluated by our bank. There are many main reference factors, such as age, work, income, education, etc., and you will also refer to your card holding, use card or credit situation in other institutions in other banks. The review department of our bank will conduct a comprehensive score of each applicant's situation, and those who do not score cannot issue cards. Due to limited information submission of information on the network channel, it is recommended that you try to submit more financial information through the marketing center, which will be more conducive to the issuance of the card. If you have not passed this application, it is recommended that you can re -provide information to the application after 3 months.
My name for the salesperson to help me get the work of the state -owned enterprise unit to proof the income proof of the income proof of the salesman who has 100,000 yuan to collect me 5,000 yuan to pinch
Hello, the application for the application of credit cards is comprehensively evaluated by the system. There are many reference factors, such as work, income, stability, personal credit and other aspects, which are not determined by unilateral factors. Maybe the information you attached when you first applied failed to fully display your personal situation, so the application failed. In addition, the domestic personal credit record system has not been improved. Each bank has passed internal assessment when reviewing credit cards, and the standard settings will be different. Because credit standards and scoring standards are internal work confidentiality of banks, the factors involving risk cannot be announced to the society. Please understand this. You can call 800-820-5555 to request re-review, hoping that you can provide us with more reference materials. If you are currently unwilling to attach the information, you can also apply for the application after 3-6 months of the first application.
(You can consult the China Merchants Bank credit card service information you want to know online through QQ or WeChat. Method 1: Search among QQ corporate friends, and add China Merchants Bank Credit Card Center as friends; Method 2: Search for number " "And follow China Merchants Bank Credit Card Center)
The proportion, after everyone applying for a credit card is rejected, receives text messages or calls customer service. The general reason is that the comprehensive score is insufficient. Most people will definitely be confused. For example, some cardholders think that my credit card and mortgage have nothing more than overdue, and credit reporting is good. Why is there insufficient comprehensive scores? What are comprehensive scores and what factors will be affected by comprehensive scores? Yifan Credit will talk to you about the lack of comprehensive credit scores.
The comprehensive score is a comprehensive assessment of the bank's personal qualifications of the cardholder or cardholder and the past card situation. An important factor that leads to lack of comprehensive scores is credit reports, and personal credit records are closely related to this. So what do you read when evaluating the credit report?
1. The overdue situation of history
The cardholders do not understand the credit reporting, so they do not pay attention to it. The report left a stain.
2, liabilities
liability rate = total use credit quota/total credit quota (fixed temporary loan). However, small loans, mortgage loans, and credit loans, including credit card bills, will be calculated to the debt ratio. When your debt ratio is too high, it will affect the comprehensive score. How to solve this problem, you can try the following methods: First of all, we can use the installment method to reduce the overall liabilities of personal credit cards. Let's take a look at how the personal credit report shows liabilities.
For example: "Loan card (RMB account) issued by Bank of Communications on September 11, 2014. As of May 2017, the credit limit was 210,000, and the amount of 6368 has been used."
"The amount of 6368 has been used", this is the repayment amount of your last month's bill. The repayment amount of the bill is not equal to liabilities, and it is less than equal to liabilities. How to make it less liabilities? It is possible when you handle the installment. Let me briefly explain to you, in the case just now, in fact, the cardholder has just handled a 36 -month and 180,000 cash installment. His liabilities should be 180,000, but the 180,000 will be repaid until 36 months. Specific to this period of May, only 6368 will be repaid, and the letter is only displayed in the letter.
It can be repaid by the bill a few days ago. This method is suitable for friends who can mobilize some cash at hand. The letter mentioned in the liability method in installments is "pseudo -liabilities", which is the repayment of bills in the last month. If you have some cash on hand, you can pay the arrears in advance before the bill daily account, so that the "debt" level in your letter will be very low. For example, you can pay off the debt on the 1st, and you can return it on the 8th. You only need to call cash for 3 days, which can make the debt rate displayed on the credit report on the credit report lower.
In the end we can adopt the adjustment of the application for adjustment. Some friends are lacking money. Immediately thought of applying for another credit card, and then we thought of online loan. This is actually not the best countermeasure. The point is that some online loans cannot report personal credit reports. Credit cards must have personal credit reports. If you apply for a credit card first and swipe your card, your personal credit report liabilities will go up. At this time, you apply for online loans. Online loan checks your personal credit report, and may refuse to lend or raise interest because of excessive liabilities. But if you change the way, you can apply for the online loan that cannot apply for credit, and solve some of your funds, but your personal credit report has not changed. At this time, if you are still lacking money, you can apply for a credit card again, but the interest of online loans is generally higher than the bank, and you can choose according to your own situation.
3, others.
The other reasons, too many applications, excessive online loans, etc.
Ifan credit suggestions: Liabilities will gradually increase over time, reduce liabilities The best way is to make money and eventually reach an irreplaceable situation. Friends who advise those who have neither professional knowledge nor reasonable investment channels must reasonably analyze their repayment capabilities when using credit cards or credit financial products, to avoid their liabilities and be trapped in the quagmire.
The comprehensive score is based on your situation (such as the nature of work unit, income level, marriage, position, card holding consumption, etc.) to score. Give you a card. This is the so -called insufficient comprehensive score.
Credit card review needs to be comprehensively evaluated by our bank. There are many main reference factors, such as age, work, income, education, etc., and you will also refer to your card holding, use card or credit situation in other institutions in other banks. The review department of our bank will conduct a comprehensive score of each applicant's situation, and those who do not score cannot issue cards. Due to limited information submission of information on the network channel, it is recommended that you try to submit more financial information through the marketing center, which will be more conducive to the issuance of the card. If you have not passed this application, it is recommended that you can re -provide information to the application after 3 months.
My name for the salesperson to help me get the work of the state -owned enterprise unit to proof the income proof of the income proof of the salesman who has 100,000 yuan to collect me 5,000 yuan to pinch