How do we maintain credit under the new version of credit information?

1. Make honesty a habit.

In daily card consumption, personal loans and various types of payment, pay attention to the repayment period, resolutely avoid overdue, and maintain a good credit record.

2. Establish personal credit records.

For those with credit gaps, the first task is to establish a personal credit history, which can be established by applying for a credit card.

3. If there is a negative credit record, it should be repaired in time.

If it is difficult to repay the loan in full due to special reasons, please contact the lending bank in time to adjust the repayment plan and avoid default such as default. If you often travel or are busy with business, you can entrust the bank to withhold the principal and interest of the loan through a quasi-credit card, debit card, and savings passbook, or you can choose to repay the loan through online banking, ** banking, and mobile banking.

4. Check your credit history regularly.

If you find that the information in your credit record is wrong and inconsistent with the actual repayment, you must bring valid documents to the credit management department of the local People's Bank of China to apply for correction.

5. Pay attention to the changes in monthly repayment amount caused by changes in the benchmark interest rate;

6. Make repayment arrangements before traveling or going on a business trip;

7. Take good care of your identity documents, and don't borrow your personal identity documents from others;

8. It is recommended that personal loans should be signed directly with the bank, and if a third party is used, special attention should be paid to the relevant terms of the contract.

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.

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.