What does ICBC mean when it sends a message that my credit limit has dropped to 0 yuan?

ICBC sent a message that my credit line was reduced to 0 yuan due to clearing. There are two reasons for clearing the credit line: 1, no transaction occurred for more than 6 months, two credit cards or loans were not repaid on time, and the credit funds were used for non-daily consumption transactions.

Increase personal credit

Letter of credit is very important. Generally speaking, capture enough credit cards first, then increase hard assets, such as real estate, and then use hard assets to depress bank credit. When money is tight, only go to small loan companies, such as borrowing and micro-loans. If the conditions are good, you can also do both, credit card and credit at the same time, and quickly create a personal credit line.

2. The importance of credit report. Ordinary people can only borrow money through banks and small loans, and each sum is shown on the credit report, which is equivalent to a personal financial resume. A good credit report can pry open the door of the bank. The credit requirements of the bank are higher than those of small loans. Small loans should not be used easily. In the process of cultivating credit, there should be no excessive debt ratio and debt amount to prevent bad credit reports from being overdue.

3. Make yourself look "rich". Banks are too poor to love the rich, so they should be good at packaging themselves, including but not limited to work units, jobs, social security accumulation funds, income levels, deposits, insurance policies, RV, etc. The better the qualification, the higher the credit line, and don't be discouraged if the qualification is poor. Banks will also give low and medium credit lines, such as credit cards, which is the first bucket of gold that banks give you.

4. Understand that banks apply for card occupation in combination with their own conditions. Those with poor qualifications have priority to apply for small business credit cards. First, they should increase the credit card limit, and then they should apply for a platinum card with a high limit to realize the counter-attack of the credit limit. Then, they can apply for a credit card from a local bank with outlets. Ordinary people will start to struggle after holding the card of 10 bank, thus rapidly increasing their total credit line.

5. Training places, corresponding seats. 3. No staff, 200,000 places a year. Ordinary office workers, 400 thousand a year. High-quality office workers, with an annual salary of 600,000. People who have a house and a car have a quota of 800 thousand a year. These people are white households by default, and the quota only includes a fixed quota, and it is a conservative estimate, and there is still a chance to get hundreds of thousands of installment quotas.

As long as the method is proper, the number of places will increase steadily.