How should we maintain the new version of credit after it appears?

After 5 years, it will be eliminated as a blank after 5 years, and then it will be accumulated again.

If it's a credit card in person, I can help you letu8613

1. Late credit card repayment. It must be repaid on time and in full within the stipulated time, even if it is a few cents short, it will be considered as not repaying in full and on time. Bad credit history occurs when the repayment date is exceeded and the amount repaid is less than the minimum repayment amount set by the bank, which is usually 10% of the amount owed.

2. The mortgage loan is not repaid on time. Even a one-day delay is considered a breach of agreement, and individuals who have overdue repayments three times in a row or six times in total are likely to be recorded, resulting in rejection of bank loans.

3. The loan interest rate is raised, but the "monthly payment" or installment is still paid according to the original amount, which inadvertently creates a situation where the repayment cannot be debited when due.

4. Provide a guarantee for a third party who does not repay the loan on time, dragging down its own credit.

5. If the insurance payment is overdue and has not been completed for more than three months, in addition to the suspension of the policy, it may also be submitted by the insurance company for record.

6. Fixed**, real-name mobile phone number, broadband, etc. have not gone through the relevant procedures, and they are overdue due to arrears.

7. Being fraudulently used by others to create a bad record and affect one's credit.

8. If the "Sleep Credit Card" is not activated, it still incurs an overdraft annual fee, and the safest way to deal with the sleep card is to check whether it has been opened and whether there is overdraft interest through the bank's service**.

Learn how to use a credit card, don't use the card to raise the card, use the credit card reasonably and quickly raise the amount to get the loan behind the credit card.

Now is the era of credit, the importance of personal credit records has gradually emerged, when going to banks and financial institutions to handle business, will be required to show this information, and according to the information to decide whether to approve the loan. However, in real life, there are many people who inadvertently spend their personal credit, leaving a lot of credit stains, so how to maintain this banquet?

Don't apply for a loan or card frequently, normally speaking, personal credit inquiry 1 2 times a year is enough, of course, it doesn't matter if I inquire about it, but if the user frequently applies for a loan or card, the lending institution will also check its credit report immediately after the borrower submits the application, at this time it will leave a query record on the credit report, and some banks also have regulations that the number of inquiries within half a year should not exceed 10 times, otherwise it will be rejected for loans. Because frequent loan application can reflect the borrower's current financial situation, it may be classified as a group with greater loan risk by the bank, thus increasing the probability of loan rejection.

Make good use of credit cards, as long as you have a credit card, you must make good use of this financial tool, normal credit card consumption behavior, can establish a good reputation for you, will make your credit limit higher and higher, increase the probability of success in the future, as long as you repay on time and in full, your credit record will be better and better.

If the borrower does not repay, the guarantor needs to bear the responsibility of repayment, otherwise it will leave a bad impact on the guarantor's credit, which will lead to the failure of the loan application. Now is not only the time to apply for a loan. You need to submit a CITIC report, and when you apply for a job in some large enterprises, you also need to submit a credit report, and people with good credit have a higher probability of success in applying for a job, so you must maintain your personal credit.

In the Internet era, personal credit is becoming more and more important, go to banks and financial institutions to handle business, often have to show this information, there are many young people who are accustomed to using online loans, inadvertently "make flowers" of personal credit, leaving a lot of credit stains, so how should personal credit be maintained? Let's find out.

1. Refuse to check credit frequently

Generally speaking, it is enough for each person to inquire about 1 or 2 times of credit every year, and in daily transactions, do not apply for credit cards and online loans too much, so blind application, to a certain extent, will increase the number of credit inquiries, many banks have unwritten rules, and the number of inquiries within half a year cannot exceed about 10 times.

Because there are too many credit inquiries for a person, it means that the person is in urgent need of a loan or cannot apply for a credit card, or is in urgent need of money, and will be classified as a group with greater loan risk, so it is very likely that the loan platform will refuse to lend.

2. Make good use of your credit card

As long as you have the conditions to apply for a credit card, then you must make good use of this financial tool, normal card consumption will not only accumulate a good reputation, but also make your credit limit higher and higher, and you will have the opportunity to handle credit card loans, cash installments and other businesses in the future, as long as you repay on time, the credit record will be better and better.

Mitigation If you have a credit stain, don't give up on yourself, banks will generally only review credit history for two years, unless it is a large and important loan will be carefully reviewed within five years. So as long as you continue to use your credit card, you have a chance that your credit history can be repaired.

3. Guarantee for others

Some friends will come to the door and ask for their help as a guarantee, and then agree for the sake of face. Remind everyone that you can't be scrupulous at this time, and you still have to refuse if you should refuse.

As a guarantee for someone else's loan, this also has an impact on credit reporting, and the guarantor has a dishonest situation, you are responsible, and the bank will also take this into account when reviewing.

In today's increasingly important credit investigation, how to maintain personal credit? Receive dry goods in one minute!