Does the new version of credit information have an impact on "raising cards with cards"?

Whether the new version of credit information has an impact on "keeping the card with the card" should first be clear that the new version of credit information has a debt record of T+ 1.

You are greedy for his interest, and he wants your principal. This is an attitude of banks towards cardholders in the past. The attitude of the new version of credit information is very clear: I don't want to see it!

The new version of credit information was launched in May. Is it still feasible to "raise cards with cards"

Open today's headlines and see more pictures.

However, this is a question of credit reporting. The pursuit of profit by capital does not mean commercial banks. State-owned banks do expressly stipulate that DISS will support loans with loans and cards with cards, but how many people hold high-limit credit cards of state-owned banks? After all, except for the Agricultural Bank of China, the credit card quotas of the other four major banks are all linked to assets. The consistent style of ABC is not to look at your debts, but to swipe your card steadily and raise the amount as usual.

Then I want to focus on commercial banks.

China Merchants Bank, Industrial Bank, Minsheng Bank, Ping An Bank and China CITIC Bank. They are all capital banks. There are essential differences between capital banks and state-owned banks. Without that kind of hard-core strength, one size fits all has never been the style of capital.

The new version of credit information clearly requires institutions to submit data to the credit information center at the collection time T+ 1. If you want to take advantage of the slow update of bank credit information, it is not feasible to apply for a loan at the same time. But the impact on credit cards will not be too great.

So don't read too much, it doesn't matter what you did before or what you will do later!

The new version of credit information was launched in May. Is it still feasible to "raise cards with cards"

It has become a disadvantage for young people to raise cards with cards. It is an indisputable fact that there are too many debts, excessive overdraft of future income and great pressure on life.

With the rapid development of internet finance, credit and financial data are more real-time, accurate and detailed, and the data covered by credit information and feedback are more stereoscopic, practical and timely.

Excessive debt increases personal and family expenses and interest expenses, which affects family harmony and is not conducive to effective personal savings and pension planning.

It is beneficial to control the reasonable debt within the effective range, and excessive debt is not conducive to the development of individuals and enterprises.

Credit card customers only need to control the debt ratio. For example, the total credit line of your credit card is 654.38+ 10,000. You just need to use it normally and control the debt at around 70 thousand. Another point, we must pay attention to, let banks make money, such as occasional installments and so on. , and must repay on time, not overdue.

The new version of credit information means that the financial system will be more perfect in the future, so we must pay attention to the standardization of card use and not leave bad records on credit information. Now it's basically national debt. Actually, this is not a bad thing. Liabilities are also divided into benign liabilities and malignant liabilities. Therefore, whether it is the new version or the old version, you can use the card normally.