What will affect personal credit information? Apply for a credit card or apply for a loan?
Edit: PeterSource: Jiang Ge playing cardDate: 2018-02-13
Let’s take a look at some of the questions asked by some of my card friends:
1. I applied for a loan on the Internet, but I didn’t want to use it. Do I want to cancel it? Does it have any impact on the credit?
2. I already have a credit card for this bank to apply for another card type. Does it affect the credit?
3. Is there any relationship between applying for a loan and checking the letter?
4. I applied for four or five bank credit cards in one month, but they all passed. It has no effect on the credit information.
The various issues are also varied, and the problems listed above. It also reflects that many people still don't know the credit card. Then let's talk to you.
Let me talk about some of the situations that have a particularly strong impact on credit reporting:
The first aspect (this is taboo): the credit card is overdue, the loan is overdue, and the loan is not repaid. If the credit is a taboo, there is nothing to say.
The second aspect: frequently apply for credit cards in the short term and frequently apply for online loans in the short term, that is, frequently searched for letters in the short term. For example, in one month, the credit information was inquired more than six times, such as the Shenkashen loan record, especially if it was not passed.
Secondly, there are some misunderstandings of everyone: Many small partners now believe that it is not good to collect letters. This misunderstanding is relatively large. (The credit is not good, we can see from two big aspects: bad records and credits too much!) In the absence of bad records, we have to control how to be checked normally, without highlighting that we are very short of money. And the debt ratio, as long as the two points are done, then the letter is actually to increase our credit history, it is a good thing. On the other hand, if we apply indiscriminately, and the credit is frequently queried, it will have an impact.
What do banks and third parties look at in their letters of credit?
Is it nothing more than looking at our credit history, and is there any risk? Is it a state of lack of money to raise loans and raise cards with cards? As long as either of these two situations occurs, it is very influential for your own personal credit.
For example, if you mentioned that you applied for four credit cards a month, it didn't matter. If you refuse, he has an impact. Of course, this is not to ask you to apply so frequently, but to give an example.
Let me briefly talk about the issue of raising letters. Raising the letter is nothing more than increasing the history of repayment to achieve the purpose of reflecting good personal credit. The second is to control the number of times the credit is queried. This persists, and slowly, our credit is a good trend. Credit reporting can't be nothing, but it's not difficult to check frequently.
Therefore, we must maintain our own credit information. The first is that we cannot expect, and the second is to control the number of queries. As long as we do these two things well, then our credit is basically no problem.
I hope this article is useful to everyone. Thank you for your continued attention. I will continue to pay attention to such issues in the future.
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