0 1 credit blank. It is recommended to apply for one or two credit cards, spend by credit card, repay on time and accumulate a good credit record.

Debt is too high. If you want to reduce your debt, you must increase your income or reduce your monthly repayment expenses.

Income is unstable. An effective bank journal is an important proof of stable income. It is recommended to deposit it in the bank regularly and regularly every month.

Too many questions. Many institutions handle credit cards, loans, online loans, etc. Will check your credit report. If you ask more than three times in the past three months, you will easily be refused a loan.

05 has an execution record. There is a lawsuit, which has not been executed by the official homepage department or is being fought.

06 bad credit report. If there is a general overdue record, you can apply again after two years of timely repayment.