How many credit cards in your name are considered as bad credit?

Simply looking at the number of credit cards can't actually determine whether it will affect the overall situation of credit reporting, but it should be combined with the use of credit lines in the last six months. If the number of credit cards is relatively large and the proportion of credit lines is relatively high, it will obviously affect the overall situation of credit investigation.

The description of credit information about credit cards has the following aspects:

Credit card holding: Credit information will show how many credit cards the cardholder has, the amount of each credit card, whether there is a foreign currency account and other information. If it is a credit inquiry at the People's Bank of China, it will also show which bank handled the credit card.

Credit card usage: The credit report will also show the usage of credit cards, which banks' credit cards are commonly used, the amount of credit card swiped in the last month and the average usage amount in the last six months.

Overdue status of credit card: The overdue status of credit card is a key part of credit report. Monthly repayment status, whether it is overdue at present and how much it is overdue will be displayed. The credit report shows whether the credit card account is normal or overdue.

Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means 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. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.

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 reporting agencies to enjoy credit reporting.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.