Let's explore why your credit reports may show bad records. This may be for several reasons: first, let's talk about credit cards. If you don't use your credit card, then it could go to sleep. When your card is inactive, the annual fee may result in arrears. Some high-end cards, even if you don't use them, have a fixed annual fee. Therefore, when applying for credit cards, it is important to consult on the relevant issues of annual fees。

What does that mean? These things can lead to bad faith

Secondly, let's look at the overconsumption of credit cards. If your consumption goes beyond what you can afford and no repayment has been made, there will be a problem of overdue credit. If your card size is up temporarily, it's best not to rush consumption to avoid delays。

Again, the guarantee is overdue. Some may not have a credit record, but for some reason they become third-party guarantors of borrowing by others. If the borrower fails to pay on time, the guarantor will have to assume the obligation. This is the overdue guarantee。

Then it's about the credit card cash. This is a strictly prohibited act. Even if you are not overdue, the bank will record this record in your credit report, resulting in a bad credit record。

FINALLY, LET'S LOOK AT EXCESSIVE LENDING. IF YOU HAVE TOO MANY MICROLOANS AND THE DEBT RATIO EXCEEDS 50%, THIS MEANS YOUR ABILITY TO REPAY IS DIMINISHING. PLUS YOUR POSSIBLE MULTI-LENDING BEHAVIOR, THIS COULD BE CONSIDERED BAD CREDIT, WHICH COULD RESULT IN YOU NOT BEING SUCCESSFUL。

You need to locate your problems in the light of reality and take measures to resolve them, thereby repairing your credit position. Try to maintain good credit practices and keep in mind that payments are made on time。