Information > Credit card Raiders >  text

Have you checked your credit? Be careful, these operations will affect your credit
Edit: Shenka expertSource: Financial 360 originalDate: 2018-01-12


Credit card affect Shenka? Look at those operations will black out your credit!

If it is not because of multiple loans, multiple Shenkaoka, multiple overdue issues such as the fear of his own credit, spent time, will take the initiative to check their own credit information, I believe my friends and Xiao Bian colleagues A, feel that they have not been lent No credit card overdue, credit will not be a problem. Yesterday, colleague A whim, check his credit, a look surprised, was checked quite a few times, which in the end what is the situation ah?

A colleague under the name of two credit cards, four credit card accounts. First check their own central bank credit. When I saw it, I was especially happy to show off to us that my credit was excellent and 93% of the country was defeated.

When I saw the agency inquiries records, it is a bit dumbfounded, only China Merchants Bank query two years the central bank credit 5 times. The number of queries is really much, the above query reason is displayed as "post-loan management."

As a result, colleague A consulted CMB's customer service staff to understand the "truth" under investigation:

E lending, testing quotas, check once, the last credit record;

His hand in the palm of your hand to apply for temporary increase temporary quotas, fixed quotas have to check personal credit;

For staging business or apply for small loan business will check;

Merchants Bank staff said follow-up loans will refer to these agencies inquiries record, even if there is no personal credit records, but the number of post-loan management inquiries, will also be affected. However, if the system take the initiative to give us a raise, it will not check the letter.

Under what circumstances will other banks check our credit? Following the order of several banks to ask him for your reference:

CCB: the system take the initiative to lift, will check; minimum repayment, for credit card installments will not check; apply for a loan, when applying for a credit card will check.

Shanghai Pudong Development: Quota adjustment will generally check the credit card for credit card installment, the minimum repayment will not check; if self-service channel adjustment of the line, the system will do approval, if the manual registration of the background department to apply for quotas may check credit approval.

CITIC: Quota application will reference credit bill staging is generally based on the signal card with the card repayment audit, the minimum repayment is directly check the bill shows the minimum repayment amount is how much direct repayment is good.

Whether it is to enhance the amount of inquiry or apply for a small loan inquiry, are bank institutions marked as "post-loan inquiry", such a large number of inquiries, even if individuals do not have bad credit history, the follow-up loans are also affected. For the bank's micro-credit operation, even if it is just to test the loan amount is how much, but also be careful, try not to operate.

【Exclusive articles and disclaimer】 All the works and any media and individuals annotated "Rong 360" are reproduced in full or in part, please indicate the source (Rong 360 Information contained in the article materials and conclusions only provide users for reference, does not constitute investment advice.

  • Flowers chanting, by chanting, Jingdong white, particles loan, these network credit card will affect personal credit?  Before I was in my friends circle my particles credit limit, there are real estate agent kindly said in advance, said flowers chanting, by chanting, Jingdong white, particle loan These are small loans, personal credit is affected, if the back to handle Mortgage, etc., is the need to settle small loans after only six months ...
  • Credit by "who" sign?  Question: Rong 360 loan experts, hello! Will the credit by whom? Financial 360 loan expert reply: Hello! Credit collection by the credit agencies, that is independent of the parties to the transaction of specialized third-party agencies to levy. In general, the agencies that can really engage in credit reporting are all ...
  • Credit "levy" what?  Question: Rong 360 loan experts, hello! Will the credit levy what? Financial 360 loan expert reply: Hello! Credit, to sign your situation in the following areas: Who are you. That is your basic information, including your identity, name, family relationship, home address, contact ...
  • "Your credit card is frozen"? Do not believe! Be careful stolen brush  On the afternoon of October 5, a citizen of Daqing City, Chen Degang (not his real name), received a text message from a fixed-line number in Shanghai area code: your credit card was frozen and the reply phone can be activated. Chen Degang called back the phone, a man pick up ...
  • If you have this word in your credit, your credit card will say goodbye to you!  Recently Xiaobian have a friend ready to apply for a credit card, but the bank inquiries personal credit report, second refused him. He came to ask Xiao Bian This is what happened, Xiao Bian and he went to the bank specifically asked. I did not expect even in the report found that bad words, friends forced the ...

Recommended reading

Hot card recommended


Forum hot

Related Reading

Bank Credit Card Center
You may also be interested in:
Related topics: