According to the regulations of the bank, a single credit card can charge up to 20% of the total amount, so a single credit card can charge 40 thousand for 200 thousand. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
Nine credit cards, with a total amount of 200,000. What's the credit rating?
The number and amount of credit cards are not necessarily related to credit reporting, and it is impossible to see what level credit reporting is at.
9 credit cards 1, with a total amount of 200,000, with an average of more than 20,000 points per card. Under normal circumstances, credit card issuers usually give new cards at this level, so there is nothing to say, because credit card processing is not a very difficult thing, as long as you have a relatively stable job.
2. It is not impossible to apply for a credit card if the credit information is not good. Although banks will use credit records as a reference for credit card issuance, they will also serve as an important indicator when setting credit limits. However, from the actual situation, many people with bad credit records, such as overdue repayment on credit card records, can apply for a new credit card. In this way, the number and limit of credit cards do not represent a person's credit level.
Finally, is it too much to hold 9 credit cards? According to the forecast of relevant institutions, it is estimated that by this year, the total number of credit cards issued by card issuers will be about 900 million, that is to say, the average credit card in China is about 0.64, while the average credit card in the United States is 6. So nine cards is really too many. If all cards are activated, using so many cards every month will waste a lot of thoughts on card management.
So, let alone nine credit cards, that is, 19, it doesn't mean anything, because this is normal. Most people who have a slightly stable job can apply for many credit cards, but there is no need to do so.
# Wealth Management Competition Season 3 # Hello, my friend, if you have a question, the limit of 9 credit cards is 200,000.
From the analysis of personal credit, it is very general. But it also faces many uncertain credit information and risks.
First of all, to analyze his personal credit situation:
1, 9 credit cards. Credit cards, not the more the better. The reason why there are 9 credit cards is probably related to the promotion of credit cards in previous years.
2. The total amount is 200,000 yuan. Obviously, if Jane averages: 200,000 9 cards = 22,200 yuan (Jane averages each card). Obviously, the credit card limit is very low, indicating that it is difficult for individuals to increase their income or in some ways.
Summary: the number of credit cards is a bit large. It may be related to personal income or other actual conditions, the frequency of credit card use, the amount of money used, etc.
Secondly, there are some potential risks:
1, consuming energy. Nine cards are time-consuming and easy to make mistakes. If you don't use it, it is difficult to increase the quota or play a role.
2. Chain reaction risk. Once one card is overdue or broken, the whole nine credit cards will be affected and the chain will be broken.
3. Other risks. For example, too many credit cards, especially the risks brought by financial activities, and too many credit cards and usage records will cause risk control vigilance.
Conclusion: There are many potential risks. Of course, if there is a lot of stable income, that is another matter.
To sum up:
Nine credit cards with a total amount of 200,000. On average, each card is only 22 thousand. Obviously, from the credit card amount, quantity and other aspects, the situation of no letter is very common. If you want to increase the quota in the future, it is difficult and there are many potential risks.
We can consider overall management, choose 1~2 credit card, maintain good use and credit, increase credit limit, maintain normal and good records, and gradually clean up. In this way, it is more advantageous,
Improve personal credit and make credit information more stable.
The total amount of 9 credit cards is only 200,000. It can be clearly seen that your personal qualifications are not very good and your debt ratio is too high!
If your current credit card is not fully consumed, your personal credit information is in good condition.
If the credit lines of nine credit cards have been used up, and the utilization rate of credit lines exceeds 80%, personal credit information is a high-risk group, with high debt ratio and uncertain repayment ability.
If only 50% of the credit lines of 9 credit cards are used, the remaining 50% of the credit lines are unused, and there is no overdue for more than 90 days, then the personal credit information is excellent.
If you have nine credit cards, and these nine credit card channels are intermittent overdue, your personal credit information is poor, your repayment awareness is poor, and your default probability is good, then you belong to a low-risk user.
If the credit card is overdue for more than 90 days in the personal credit investigation, the personal credit investigation belongs to a high-risk group, and there is a high probability that the nine credit cards held will not be repaid on time, and the risk of major changes in the cardholder's income is extremely high.
It is not recommended that the general public handle too many credit cards, because too many credit cards will obviously increase the debt ratio, and the credit limit of a single credit card will be lower and lower, which will be very troublesome to manage and easily lead to overdue repayment of a credit card!
In fact, it is reasonable for ordinary people to have 3-4 credit cards. If you feel that the credit line is not enough, you can diversify your consumption for 3-6 months, which can basically increase the credit line.
Nine credit cards have a credit limit of 200,000, and the credit rating is average. The total credit line of an ordinary person with normal capital is around 200,000. It is good for a person to hold four or five credit cards normally. The average credit rating of each credit card is 50,000. The average credit rating of your nine credit cards is less than 25,000, which is average.
Hello, I'm Zhongyuan Cafe.
First of all, you still have a large number of credit cards. Nine credit cards total 200 thousand, with an average of more than 20 thousand each, not low.
Secondly, the quality of credit information cannot be determined by the number and amount of credit cards alone. The quality of credit information depends on whether you are overdue, whether the debt ratio is high or not, how much assets you have, and so on.
In short, the evaluation criteria of credit reporting are various, and we can't just look at the number of credit cards and credit lines.
Nine credit cards, with a limit of 200 thousand, not too high, not too much.
I have credit cards from 20 banks, and the credit line exceeds 654.38+00,000. I don't think I have more credit cards and a higher credit limit. Many people around me still have more credit cards with high credit lines.
As for the level of credit information, it is not how many credit cards and lines there are.
Credit is good, mainly depends on the following aspects:
Overdue situation
In the process of using the credit card, do you repay it on time? Is it overdue at present? Are there many overdue times? These overdue records will seriously affect our credit information.
Query record
When we apply for a credit card or loan, the credit information will show the credit card or loan approval record. If there are too many recent approval records, our credit information will be affected.
Credit card usage limit
Credit information will show the amount of credit card used, and when its proportion in the total credit card exceeds a certain amount, it will be considered as high debt.
Average credit card usage in the past six months
It should be said that the credit card usage limit in the past six months shows our recent debt situation more intuitively. After all, we can reduce the credit card usage by paying off a large amount, but the average usage within six months cannot be easily reduced.
Therefore, the number and total amount of credit cards are not the most direct impact on our credit investigation. Good credit depends on how we use credit cards.
This proves that credit card holders have been recognized and granted credit by many banks!
Before getting 9 credit cards and 200,000 credit lines, this person's credit information is excellent!
After obtaining 9 credit cards and 200,000 credit lines, the credit information of credit card holders is still excellent. When using credit cards normally, you must protect your reputation and don't overdue it.
Especially when handling some bank loans and financing, credit card holders are more likely to be recognized by banks than those without credit cards.
On the other hand, credit card holders are more recognized by relevant institutions and individuals than those without loans and credit cards!
1, 9 credit cards, and the limit of 200,000 can only show that you are not a white household. There are many credit cards and the total credit is not high;
2. As long as it is not overdue, your credit information is normal;
3, credit card debt to see the average use of half a year. If it exceeds 80% of the total credit line, it means that the credit card debt is too high. It has an impact on applying for credit cards and loans.
4. In addition to liabilities, credit records also look at institutional inquiry records and overdue records.
5, rational consumption, cherish personal credit records!
Hello, futures Chu Xiao, as an old man who has been engaged in the financial industry for more than ten years, a national financial planner and a credit card expert, holds at most a dozen credit cards and has many years of experience in financial management and credit card use. Let me answer your question briefly.
First of all, let's look at the concept of credit reporting.
Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Secondly, about the related concepts of credit cards.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card can be simply understood as the right to use short-term loans.
Third, back to the topic "9 credit cards with a total amount of 200,000. What is the credit rating? "
The number and amount of credit cards are not necessarily related to credit reporting, so we can't see what level credit reporting is at.
However, the personal credit report will record all credit card conditions and limits, as well as whether there is any overdue situation. If the credit card is overdue in the past two years, the credit investigation is equivalent to a stain.
If you apply for a credit card on a large scale at the same time, you will leave the inquiry records of various banks in the credit information, so be sure to remember.
Futures Chu Xiao reminds everyone that credit card is a double-edged sword, and the key lies in how to use it, how to use it rationally and how to plan it rationally.
Credit information is mainly related to the use of your credit card and loans. As the information you provide is limited, you can refer to my personal opinion.
1. The debt ratio is 200,000 credit cards, and the overdraft limit does not exceed 6,543,800+. The credit report shows a good debt ratio. Overdraft10-160,000, with medium debt ratio. If the overdraft exceeds160,000, the debt ratio is high. (Credit card only)
Second: the number of inquiries, the number of recent credit card approvals and the number of loan approvals, the less the better.
Third: overdue, this is very important. Less overdue times, discontinuous 3 tired 6, small overdue amount, and so on.
Fourth, the personal information of credit information is updated (mainly work information and residence information). The stability in the eyes of banks means working and living in the same place for a long time.
You can make a letter of credit for reference. Personal inquiries are not included in the number of credit inquiries.
What are the requirements for a credit card (debit card) with a line of 200,000?
To apply for a credit card (debit card) with a line of 200,000 in a bank, different banks may have different requirements, but the following basic conditions must be met:
1, personal credit should be good, and there can be no large amount or multiple overdue.
2. The personal debt ratio should be very low, and there should not be a large number of outstanding loans.
3. The work income is stable, and the general annual income is not less than 200,000. It is best to provide a large amount of property certificates, including but not limited to personal property, automobile products, other wealth management products, etc.
Do you know how to set a credit card limit of 200,000?
1. First of all, in the application materials, the bank will mainly consider the applicant's marital status, domicile, annual income, working hours, position and nature of the unit. Generally speaking, having a house and a car is very beneficial for handling high-value cards. The more stable the work unit, the higher the popularity, and the greater the chance of success in handling the card. The success rate of government agencies, state-owned enterprises or Fortune 500 enterprises is higher than that of ordinary private enterprises and small enterprises. Because banks comprehensively score according to the applicant's financial resources and expected development, the application materials must not be sloppy.
It is also a problem to repay after spending 200 thousand with credit card. Due to the large amount, once the repayment is overdue, the interest and late payment fee will be high. In terms of repayment, it is suggested that you contact a savings card for automatic repayment or set a reminder for changing money. So as not to cause overdue repayment. If you have used a credit card before and have maintained a good repayment record, you can also attach it as a proof document, which is helpful for improving the handling of high-value credit cards of 200,000 yuan.
3. Just a reminder, the approval of this 200,000 high-value card is strict. Personally, I suggest you do what you can to meet the basic needs of using cards in your life. You don't have to pursue high-value credit cards too much. When you apply for a card, you usually need 10- 15 days to wait for the result. Don't trust those black intermediaries who easily handle cards online, so as not to be deceived and bring unnecessary trouble to yourself.
How to set a credit card limit of 0.2 million/200 thousand these skills are not empty talk.
Now people's desire for consumption is getting stronger and stronger, and their spending power is increasing day by day. Cardholders who are used to spending with credit cards may encounter insufficient credit lines, so it is the most real demand of many cardholders to run a high credit card. How to set a credit card limit of 200,000 and teach you how to do it.
To apply for a credit card limit of 200,000, you need to apply for a platinum card.
Credit cards have different credit limits according to different grades. Generally, the credit limit of ordinary cards is less than 1000 yuan, that of gold cards is less than 50,000 yuan, that of platinum cards is more than 50,000 yuan, and that of unlimited cards is one million yuan. To apply for a credit card limit of 200,000, you must have a platinum card level or above. Unlimited cards are owned by a few high-end people.
Applying for a credit card limit of 200,000 requires mastering application skills.
1, working conditions: industries with high stability can get extra points. For example, civil servants, teachers, doctors and some employees with good welfare benefits, fashion industry and media people will get higher scores because of their strong spending power.
2. Economic ability: You can get a relatively high rating if you have a large deposit certificate and a reliable certificate of high income in the issuing bank.
3. Technical titles: Relatively speaking, people with titles such as engineer, economist, accountant and excellent teachers at all levels can often get extra points.
4. Education status: There is no difference in the credit rating of bachelor degree or below, and the rating of graduate degree or above will be higher.
5, marital status: married will be better than single, and the family is relatively stable in all aspects.
6. Personal housing: you can get extra points if you have a room under your name.
7. Credit record: A good credit record is the basic condition for applying for a credit card.
Summary: How to apply for a credit card limit of 200,000? In addition to the above work, the applicant should also prepare the materials and go to the bank counter in person. It is impossible to apply for such a high credit card through the internet.
About the credit card limit of 200,000, the introduction of how much can be swiped at a time is over. I wonder if you found the information you need from it?