Affected by this epidemic, many people bear a heavy burden, whether it is mortgage, car loan or credit card debt, which makes these people breathless.
1. In case of no overdue repayment and normal overdraft, timely repayment will not affect your later loan; And it will not only affect your credit information, but also have a positive effect on your personal credit information. If it is overdue, it will affect the later loan, and of course it will also have a certain impact on your credit information.
2. The high credit card debt ratio will not affect the credit information, but if the cardholder's high debt ratio leads to an increase in the overdue rate, it will affect the overdue credit information.
3. If you have credit card debt, but you don't repay it in full and on time, it will have a negative impact on your credit information and lead to a bad personal credit record. When banks examine and approve, they will focus on the credit report of the past six months. Whether it is a credit card bill or a loan liability, banks can see it clearly in the credit report.
1. Banks are based on all liabilities (including credit cards and loans)/(income * base), and the credit card debt ratio is generally calculated according to the credit card usage amount/available amount. It should be noted that the credit card debt ratio is real-time, which can be seen when the bank approves it. If it is high, it will affect the approval and withdrawal quota.
2. The credit card debt ratio is a ratio. Liabilities include credit cards and loans. Debt ratio = all liabilities (including credit cards and loans)/(income * base). High debt ratio means that users' repayment ability is weak, and high debt ratio means that users' repayment ability is better. Banks will check the debt ratio of credit cards when approving credit card or loan applications. If the debt ratio is too high, it is naturally very difficult for individuals to apply for credit cards or loans.
Remind all cardholders not to "support loans with loans" when using credit cards. During this epidemic, there will definitely be many difficult friends looking for various online loans or handling credit cards.
When we are faced with various credit card liabilities, don't just focus on our own liabilities. We often lose many opportunities by focusing too much on debt.
Try to be honest with your family. These days, some fans asked me if I should confess to my family. I think we should tell our families. Because at this time, you will be deceived, you will think irrationally, you will be extreme, and you will give up on yourself. At this time, our best choice is to inject interest-free funds. Your family can find ways to relieve you a lot, and your psychology will not be so extreme.
If you are still burdened with various debts, you can use the methods described above, hoping to help everyone!