It goes without saying that everyone knows the importance of credit. It's the same as your second ID card. But most people may not know, personal credit actually has a "color". The "color" here does not refer to the color of the credit paper, but the color of the type of property. Different colors represent different credit attributes and can even affect the amount of credit we receive.

Here's what Rensselaer Math Department has to say in detail:

"Bright" credit

It means that a person's credit is in good shape. There are credit cards, loans and other credit, but no late payments, no frequent credit inquiries, and good credit habits. Such credit information is perfect for people. With such credit information, one can continue to maintain good credit habits and maintain one's credit information record.

"White" credit reports

Mainly refer to "blank" users who have never applied for credit cards or loans. However, due to the lack of past credit history, banks and other financial institutions do not have a reference point, so it is difficult to judge the credit status of these users. If the loan application amount is large, it is impossible to judge whether the borrower can repay the loan normally, and the possibility of being rejected will be higher. So before applying for a loan, you can apply for a credit card, use it to spend money and make repayments on time to increase your good credit history.

"Gray" credit report

Color credit information

If you've applied for a lot of credit cards and online loans in the past six months, and the pass rate for those credit cards and online loans is still low, then your credit must be "spent ". This situation is usually caused by too many credit inquiries, too many inquiries, or too many loan applications. Improve the "color" credit, need in a short period of time do not frequently query credit, at the same time optimize debt, reasonable loan.

"Black" credit report

In the financial industry, there is a term for the frequency of delinquency, which refers to three consecutive delinquencies, six cumulative delinquencies, or 90 days of delinquency. Such a credit is regarded as black credit. Once on the credit "blacklist", the possibility of obtaining credit loan approval is extremely low. If you want your credit card to be black, you just need to keep good credit card habits, pay your bills in full, and cover up your bad credit with a good credit record.

Personal credit information is known as our "economic identity card" and is an important reference for measuring our credit index. The better the credit color, the higher the pass rate and loan amount will be. So keep your credit information and be a self-disciplined, civilized and trustworthy person.

As a senior bank loan business manager, professional financial field practitioners, I have the most to say!

First I'll say what is a good credit!

Secondly let me say what is credit black!

First, the inquiry.

Credit in a short period of time, or a certain period of time many inquiries, like online loans, bank loans, credit card approval and so on!

The second, overdue.

Credit above credit cards and loans have multiple late records, or a long time overdue, especially overdue more than 90 days then it is very difficult to handle the loan business!

Third, the five-level classification.

The five-level classification is concerned, subprime, doubtful, loss, with these words is also considered a black household (if it is concerned, it will be better.)! You can call banks and lending institutions to cancel)

Fourth, online loans.

There are a lot of online loan records inside the credit, multiple platforms, multiple pens, multiple uses! This will also become a black bank account! For example, the G beauty finance, M group finance, Beijing D finance, MY borrowing, small M finance, M on the consumer finance, H er finance, Q installment, installment medical beauty, cell phone installment, training course installment, tuition installment, telecom's sweet C finance, Unicom's Z Lian consumer finance, the mobile H packet finance, a certain degree of finance, D drop D finance, 58 J finance, L home real estate finance, H Evergrande gold service, Z er finance, Wan D finance, A Yat Hua, L Hua Ka, J Fu Wan Ka, Xiao C Hua, C Zi Finance, etc., as long as the lending capital party is not × × Bank Co. all belong to the network loan, do not point! Do not use! After you use it, say goodbye to bank loans!

Fifth, big data.

Pointed some of the creditworthiness of the network loan, or property fee overdue (some property companies will have big data **** enjoy, such as a certain Branch, a certain Da, J Zhaoye, a certain Lee, a certain land, J and other well-known domestic real estate enterprises), or utilities, communications, broadband fees owed (at present, only part of the city areas accessed, the other most of the region has not been accessed, it is reportedly a slow and gradual access), withdrawal of the insurance!

Sixth, the geographical blacklist.

Some banks in some areas of the applicants, the overdue rate is very high, then the bank will be such regional personnel all black, not allowed to enter! Bankers known as the village of the old scoundrels, headlines also often see this type of news!

Seventh, legal disputes.

There are lawsuits that have not been concluded, or concluded for a certain period of time, labor disputes, economic disputes, contractual disputes, court enforcement, etc.

Eighth, the criminal record

Sucking D, jail, criminal cases, criminal record, DUI and so on have a record

So, we have to take good care of our credit!

I am Wah Chai Xian Sen, a professional in the field of finance, pay attention to me, take you to understand more financial knowledge!