Can CCB’s long-term car loan extension be extended to other banks?

No. You can't even change the bank. Because these data are interconnected, other banks should also reject it.

The solution to CCB’s rejection of multi-party credit is as follows:

1. The so-called "multi-party credit" actually refers to handling credit business in multiple banks, resulting in an individual's accumulated credit limit being too high. , applying too many credit cards and other loan products may lead to a situation of long credit extension. If you want to eliminate CCB's long-term credit, you have to reduce your accumulated credit limit. For example, if you hold too many credit cards, you can cancel a few credit cards; also, if you have too many loans, you can Pay off the loan. In this way, if the individual's accumulated credit limit is reduced, and if you go to China Construction Bank for credit business, you will not be able to get multiple credit extensions.

2. If it is due to credit card credit, then it must be eliminated by canceling the credit card. However, credit card cancellation is not done casually. First, you need to cancel those credit cards that you don’t usually use, then you need to cancel small-deposit cards, and then you need to cancel credit cards that are difficult to increase the limit. I would like to remind everyone that it is best to keep credit cards from the four major state-owned banks, because these banks are the ones that handle most car loans and home loans.

3. If it is a loan, the loan needs to be paid off. It is recommended to start with some online loans, such as Ant Borrowing, Jingdong Baitiao, etc. These are all listed on the credit report, so use them sparingly. After settling the loan, remember to ask the financial institution to issue a loan settlement certificate. Some banks will require it. The above is the relevant introduction of "How to eliminate multiple credit card credit extensions". In short, multiple credit card extensions are to reduce the number of credit cards held and reduce the total credit limit, which is relatively easy to achieve.

4. In the general case of "multiple credit extensions", credit cards and loans applied for by the bank are likely to be rejected. After all, the personal debt ratio is too high, and the bank will suspect that the applicant does not have sufficient repayment ability. . Therefore, when handling credit business, everyone must know “enough is enough” and do not blindly apply for credit cards and loans to meet personal consumption needs.

Generally speaking, it takes three months for long credit to be eliminated and restored. Long credit extensions on credit cards can be canceled by canceling the credit card, and credit extensions on loans can be canceled by settling the outstanding balance. Depending on the total number of credits, some of them can be reduced to eliminate long credit extensions. When applying for a credit card or loan again, the bank or lending institution will take the data for the last three months. During these three months, the lender needs to not borrow new loans and maintain a good credit record. How long does it take for long credit to be restored

Three months.

Generally speaking, it takes three months for long credit to be eliminated and restored. Long credit extensions on credit cards can be canceled by canceling the credit card, and credit extensions on loans can be canceled by settling the outstanding balance. Depending on the total number of credits, some of them can be reduced to eliminate long credit extensions. When applying for a credit card or loan again, the bank or lending institution will take the data for the last three months. During these three months, the lender needs to not borrow new loans and maintain a good credit record.

Multiple credit extension refers to handling credit business with more than two banks or financial institutions, which will lead to excessive credit card cumulative limit. Excessive credit extension, credit cards and other loan products are the reasons for long credit extension business. There are certain risks in long-term credit extension. In the absence of expectations, some credit card users think that long-term credit extension is not a big problem, but banks do not think so. It's important to know that multiple credits will cause cardholders to over-build their credit limit. Once a cardholder is unable to repay a large amount of overdraft, bad debts will easily occur and the bank funds may not be recovered. Therefore, banks will not easily approve cards or loans from multiple credit applicants due to the risks.

What are the solutions to long-term credit extension?

1. If it is due to credit card authorization, it must be eliminated by canceling the credit card.

However, credit card cancellations are not random cancellations. First, cancel the credit cards that are usually useless, then cancel the small-deposit cards, and then cancel the credit cards that are difficult to recover. Here, a warm reminder, it is best to keep credit cards from the four major state-owned banks, because they are mostly useful when banks handle car loans and mortgage loans.

2. If the credit is due to multiple loans, the loan needs to be settled.

It is recommended to start with some online loans, such as Ant Loans, JD.com IOUs, etc.

Used on credit reports, so should be used sparingly. Remember to ask the financial institution to issue a loan settlement certificate after the loan is settled. Some bankers will ask for it. The above content is about the meaning of long-term credit and the solutions to multi-credit. For individual investors, the risk of long-term credit will affect later financial activities such as loans and credit cards, which will hinder personal economic activities. effect. How long does it take for long credit extensions to be eliminated? Detailed analysis of the specific situation

;? Whether it is a bank credit card or a loan, it is very difficult for people with long-term credit extensions. Only by reducing the number of credit extension institutions to three or less will the success rate be higher. So, what should we do about long-term credit extension? How long will it take to eliminate it? Let’s take a look below. Multiple credit extensions include not only more than 3 credit card issuing banks, but also more than 3 lending institutions, and even the total number of credit card issuing banks + lending institutions exceeds 3. Therefore, if you want to eliminate multiple credit extensions, you have to think clearly whether to start with credit cards or start with credit cards. Get a loan.

1. If you want to reduce the number of credit card issuing banks to eliminate bullish credit, you need to cancel the credit card. Credit card cancellation here not only refers to canceling the card, but also must cancel the account. The method is very simple. After making sure that all the credit cards under the name of the bank to be canceled are not overdue and have no balance, you can call the service hotline of the card issuer and transfer to manual customer service. Submit an application to cancel the account. After the account is successfully closed, the credit report information will no longer be found on all the credit cards of this bank. However, it takes a long time to cancel a credit card account to eliminate long credit, because it takes 46 days from the date of application for cancellation to successfully cancel the account, which means that it takes at least 2 months to eliminate long credit. And the cardholder must ensure that there is no debt or balance on the credit card during the period of account cancellation.

2. If you want to reduce the number of lending institutions to eliminate long credit extensions, you need to settle the loans. First, check your credit report and see which lending institutions are listed above. Within your ability, first settle the loan with a small amount owed. Of course, the best way is to borrow money and pay off the debts with higher debts first, so as to reduce the number of long-term credit and reduce the total credit limit. After paying off the loan, don’t forget to ask the lender to issue a loan settlement certificate. Generally, after the month is settled, the lending institution will report it to the central bank's credit system on T+1, and the credit record will be updated by next month at the latest.