What is the cause of the lack of overall score?

In fact, it is the customer's own credit condition, mainly depending on the repayment ability and personal credit, and any problem will lead to insufficient comprehensive score.

1.Personal credit, preferably without overdue records, if there is, it cannot be currently overdue, and it cannot be a credit black account; In addition, there should not be too many credit inquiry records in the short term, especially the three types of records of credit card approval, loan approval, and guarantee qualification review.

2.The ability to repay depends not only on income, but also on personal debts. The repayment ability recognized by the bank is usually that the personal debt cannot exceed 50% of the income, otherwise the debt ratio will be considered too high, the repayment ability will be questioned, and the bank will list it as a high-risk customer, which is also a manifestation of insufficient comprehensive score.

As the central bank began to rectify credit cards, bank risk control tightened, and further raised the threshold of related business.

For example, after inflation, the same value of money can buy different things, 10 yuan used to be a day's food expenses for the whole family, but now you can only eat a bowl of rice noodles.

Extended Information] 1In the case of insufficient comprehensive score of the loan, it is recommended that the customer first contact the customer service of the lending institution platform to ask what specific problems will lead to this. It is important to know that the comprehensive evaluation of the system will consider the customer's age, education, marital status, work income, loan history, debts, credit status and other aspects.

2.There are many factors that lead to insufficient comprehensive credit score, such as: false information, overdue credit information, stained credit information, big data chaos, frequent job changes, no fixed residence, too high debt ratio, and their own conditions do not meet the requirements.

3.The importance of personal credit can not only be reflected in the loan, now job hunting and promotion recruitment, renting, studying, going abroad, political examinations, etc. all depend on personal credit, want a good credit, personal credit must be controlled: first of all, in the case of a loan, do not overdue, if you do not repay in time under special circumstances, please contact the bank as soon as possible, and deal with it in time.

Expansion: The comprehensive credit card score is the evaluation of the comprehensive credit of the card applicant by the bank based on the information provided by the credit card applicant and the use of a fixed scoring system, such as the nature of the unit, education, housing status, annual salary, marital status, number of dependents, etc.

First, the front. If the overall score is always insufficient, it is caused by bad behavior.

2. Specific analysis.

If the overall score is insufficient, it is recommended that users postpone the application and do not rush to try to borrow again, as repeated operations will not only fail to make their loan request successfully approved, but will easily increase the likelihood of rejection.

The first thing users need to do is to figure out what is wrong with personal credit that will lead to insufficient scoring (you can directly consult the loan handling bank, lending institution, platform customer service), if the other party can not be informed, you can go to play a credit report and check your big data on big data platforms such as Beijian Quick Check and Xiaoqi Xincha, find out the reasons and take corresponding measures to solve the existing problems, and then you can try to borrow again.

For example, if it is found that there are more debts, it is recommended to pay off the debts in your name or try your best to repay more, and then borrow after reducing the personal debt ratio. In addition, if there is a long loan situation and the credit investigation (big data) is "spent", it is recommended not to apply for a new loan for at least three months, and then borrow after the three months have passed and the big data (credit information) has been "spent".

If you find that your personal credit is not good, and there is bad information in big data (credit information), such as failing to repay on time and leaving an overdue record, you must pay off the arrears quickly, and then spend time patiently to maintain your credit, and wait for when the damaged credit is repaired, and then you can borrow again (it is recommended to wait for three to six months to see again).

You can get the online loan big data report from the platform "Beijian Quick Check", which contains information such as online loan history, online loan overdue details, debts, untrustworthy information, and online loan blacklist.

3. Frozen credit card after the online loan is overdue?

The overdue online loan, regardless of whether it is on the credit report or not, mainly affects the follow-up borrowing of the online loan and the user's personal credit, as for the credit card being used, it is basically unaffected. Of course, the use of credit cards is not affected, it does not mean that the amount increase is not affected, because the credit card limit should be checked by the user's credit information, and the overdue record in the credit report will indeed affect the credit card increase.

If the overdue record of the online loan is uploaded to the online credit investigation and the credit investigation of the People's Bank of China at the same time, the user will not be able to apply for the online loan in the future.

The bank's overall score is insufficient mainly because the applicant does not meet the conditions for card issuance, the application materials are insufficient, or the applicant has a bad credit record.

Specifically, there are the following reasons:

1.The income is too small, the income does not meet the minimum access of the bank or the income cannot cover the monthly repayment of the debt on the credit report, 2The lenders are young or too old, and many banks take out loans.

Products can be admitted at the age of 22 and 55, but under the age of 27 or facing retirement age, it will greatly increase the probability of rejection.

3.If you have an unstable job, change jobs frequently, or your working hours are too short, or even if your job is sales, the bank will find it difficult for you to take out an excessively high loan, and your income job will be unstable, and your rating will drop.

4.There are many inquiries such as credit loan approval and credit card approval, which will also lead to a decrease in the score of the entire credit investigation, resulting in a decrease in the overall score.

5.There are too many small loans on the credit report, with a limit of more than 30,000, and many loan products have restrictions on the number and amount of small loans, so everyone should try to apply for online loans as little as possible.

6.Credit reporting white households, overdue credit reporting will reduce the credit score, affecting the overall score. (Credit white households, refers to people who have no credit history, and people who have not applied for a loan and have no credit card at all) Compared with white households, banks prefer those who have a loan, but have no overdue records.

7.The place of residence is often changed, or there is no local residence record on the credit report. Generally speaking, there will be your residential address on the credit report, and if you have never had a residential address in the local area, it will also have an impact on the overall score.

8.Generally speaking, bank credit loans prefer to apply for a mobile phone number that has been used for more than one year, and the score will be high.

9.Education and background, too low education will also reduce the score, banks generally prefer a bachelor's degree or above, at the same time, for the background, some people in specific background areas, many banks do not do.

10.Restricted and prohibited industries, and some customers are in some special industries, such as the entertainment industry, steel trade, investment companies, and public security and law.

And so on, many banks in this kind of industry themselves are not admitted, and they will also be directly rejected by scoring.

11.Without assets, lenders are afraid of bad debts.

What is a comprehensive rating?

The comprehensive credit score is the internal audit standard formulated by banks and loan financial institutions in order to control risks, which generally includes the borrower's age, work situation, local residence time, income level, education information, asset information, number of online loans, liabilities, credit information, big data and other aspects to set the grade score, the score does not meet the requirements set by the system, it will be rejected, showing that the comprehensive score is insufficient.

Some of the ways to address the lack of overall scoring are:

1. If the credit score is insufficient, the borrower can repay the loan on time in the past six months, and the repayment on time can improve the credit.

2. If the score is insufficient due to the authenticity of the application information, the borrower can fill in his or her true information when applying to ensure that the information is true and valid.

3. If the score is insufficient because of the quota, the borrower can increase the frequency of use, so that the system can calculate the high amount of the lower limit of the loan product.

4. If there is a lack of scoring because the application is too frequent, the borrower should pay attention to the number of applications he has, and if he has already applied for a lot, it is recommended to stop and apply again after a month.

Extended Information: 1. Introduction:

The comprehensive scoring method is to score each evaluation index according to the evaluation criteria of different indicators, and then use the weighted addition to obtain the total score, which is used for the occasion that the evaluation index cannot be quantitatively analyzed with a unified dimension, and the dimensionless score is used for comprehensive evaluation.

2. The order is as follows:

1. Determine the evaluation items, that is, which indicators are evaluated by this method.

2. Formulate evaluation grades and standards. First, a unified evaluation grade or score range for each evaluation index is formulated, and then the standard for each level of each evaluation index is formulated so that it can be mastered when scoring. This standard is generally a combination of qualitative and quantitative, and may also be quantitative or qualitative, depending on the specific situation.

3. Develop a score sheet. The content includes all the evaluation indicators and their grade differentiation and scoring, and the format is shown in the following table:

4. Score values according to indicators and grades. The evaluator collects information related to the indicators, scores the evaluation objects, and fills in **. The method of scoring is generally to first make a grade judgment on the performance of a certain indicator, and then further refine it to put a specific score within the score range of this level.

This is often a cross-sectional comparison of different evaluation objects.

5. Data processing and evaluation.

1) Determine the score of each individual evaluation index.

2) Calculate the overall score of each group and the total score of the evaluation object.

3) Use of evaluation results. The comprehensive score of each evaluation object shall be used according to the original evaluation purpose.

3. "Insufficient comprehensive score" generally refers to insufficient comprehensive score of the credit card. The reason for the deficiency is mainly due to your employer, and the credit reference you provide is not enough to score. Broadband fees and ** fees have not yet been included in the central bank's personal comprehensive credit network.

But this feature will be added soon. If you want to apply for a credit card, you'd better read the card instructions carefully, fill them in carefully, and provide some valuable credit certificates.

1. What does insufficient overall score mean?

This is the most popular way of credit evaluation, mainly based on the borrower's personal information, assets, credit, institutional consumption, etc. to calculate a score, the lending institution will set a passing line in advance, if the borrower's comprehensive score is not qualified, it will be rejected on the grounds of "insufficient comprehensive score".

The factors that will be considered in the comprehensive score include housing (rent, mortgage, full payment, number of units, value), work (income, years, unit, position), credit card (bank, limit, consumption repayment, number of tickets), credit information (overdue, credit history, number of inquiries), age, marital status, city, etc., which are very complex.

Second, the platform that can borrow money if the comprehensive score is insufficient.

In fact, the application threshold of each lending institution is different, and different standards may be adopted, so if you are rejected in this institution with the same application materials, you may be successful again if you go to another platform, so you can change several platforms to apply.

1. Capricious loans. Suning Finance's consumption installment platform has a maximum amount of 300,000 yuan, which can be recycled, and the term can be freely selected in the period.

2. Gome Easy Card. The loan amount is between 500 and 5,000 yuan, no mortgage guarantee is required, and the loan can be made in 3 minutes at the earliest, and the term is up to 12 months.

In short, there are many flat search stoves that can borrow money if the comprehensive score is insufficient, and you can choose freely according to your needs.

When applying for a credit card, the bank will conduct a comprehensive score on the credit status of the cardholder from many aspects, such as card age, occupational nature, income, credit information, education, etc., each of which corresponds to a score, and the total score added up is too low, that is, the comprehensive score is insufficient.

If we want to get a credit card, we must avoid this situation, and we must first properly package some information that can be optimized, such as seniority, income, and position. For example, if the original is an ordinary employee with three years of working experience, we can package it as a department manager, with a working life of three years, and the income is also appropriately adjusted, plus a monthly salary, a year-end bonus, etc.

However, it should be noted that if the credit card is not comprehensive enough before, then in the short term, you still can't apply for a credit card from the same bank, after all, it takes at least 3 months to raise a comprehensive score, during which we can apply for a credit card from another bank, and then apply for a credit card from that bank after using the card for 6 months.

All in all, a low overall score does not mean that you can't get a credit card, we need to find out the reason, and then properly package the deficiencies, which can greatly improve the success rate of the card. As long as the kung fu deep iron pestle is sharpened into a needle, let's come on.