Credit rating is an evaluation of the borrower's credit status. When a person applies for a loan, a bank or financial institution will evaluate his credit. The evaluation results generally have five grades: A, B, C, D and E. Among them, Grade C means that the borrower's credit score is at an average level, which is risky and usually requires more collateral or information.

The borrower with a credit rating of C is unable to repay the loan, or there have been some serious overdue records, resulting in a decline in the credit score. Especially for those who want a larger loan, it is more difficult for C-level borrowers to be approved. It should be noted that grade C is not necessarily the same as a rejected loan, but it needs to face higher rates and high risks compared with other credit ratings.

In order to avoid becoming a C-level credit borrower, we should pay attention to our credit status from many aspects. First, we should abide by the law and avoid any financial fraud. Secondly, timely repayment is the basic requirement for improving credit score, and it is very important to develop good loan repayment habits. Finally, you can try to apply for a small loan, accumulate a certain credit record, and gradually improve your credit rating through a period of good credit performance.