Many people's applications for credit cards or loans are always rejected, and credit cards are not kept for a long time. The key point of these questions lies in your credit information. How to optimize your credit information? Where should we start?
First, build and optimize according to your work and address information.
The core issue of bank lending is repayment ability, and the most stable source of repayment is work. Stable work information is what banks are most concerned about. Civil servants, institutions and state-owned enterprises are the most favored customers of banks, and their address information is the same. I'm afraid I can't find anyone to borrow money!
I have repeatedly stressed that don't change jobs frequently and don't change address information frequently. If you don't have a stable job, call a better unit, preferably in the provincial capital city.
Many friends will say, what if the work address changes? Please remember: the fact is not important, what matters is what is displayed on your credit information. We entered the credit information voluntarily. After all, the bank is not a public security bureau and will not take the initiative to check, so it must be flexible.
Second, the optimization of credit data.
First of all, you have to settle the online loan and cancel the low-limit credit card. It's best to run a few high-value credit cards and issue hundreds of thousands of credit loans through professional methods. Remember: don't apply for a small loan. What would you think if someone lent you hundreds of thousands? The more the bank thinks you are short of money, the less you can borrow money, so don't let the bank think you are short of money on your credit data.
Remember: the larger the amount of a single loan, preferably more than100000, the better your credit data.
Third: reduce your debt ratio, and do not exceed 50% of your total credit.
What do you mean? If your credit card limit is 65438+ 10,000, then don't use more than 50,000.
Fourth: increase your assets.
It is recommended to configure the property. Real estate is an important watershed to distinguish diaosi. The heavier the debt, I suggest you find ways to allocate assets, because assets can calm your debts and banks with assets will give you higher credit. With credit, you will have more cash flow and the whole situation will be revitalized!
The above four points are what you need to do. According to your personal needs and future financing planning, create and optimize your credit information in more detail.
In addition to the creation of credit information, you have to do one thing well, that is, your bank data. If you apply for a credit card and loan for the first time, 80% depends on your credit information and 20% depends on your bank data; If you already have a card or apply for a loan for the second time, 80% depends on your bank data. Large cards and loans are often due to high-quality in-house data, so once you are at the end of your rope, in-house data is a powerful breakthrough and a good breakthrough for you to solve the cash flow problem. So credit data and bank data are created at the same time, and you can completely revitalize your cash flow!