Định nghĩa điểm tín dụng và các kiến thức bạn cần biết

điểm tín dụng là gì 1

Điểm tín dụng là một trong những yếu tố rất quan trọng để ngân hàng xét duyệt mở thẻ và cấp các khoản vay cho bạn. Vậy điểm tín dụng là gì?

1/ Điểm tín dụng là gì?

Điểm tín dụng phản ánh lịch sử tín dụng của bạn và nó quyết định rất nhiều đến việc ngân hàng có quyết định cho vay tiền, mở thẻ hay nâng hạn mức cho bạn hay không. Nếu sở hữu một điểm tín dụng tốt bạn sẽ có thể được ngân hành đáp ứng các nhu cầu khi cần thiết và ngược lại điểm tín dụn xấu sẽ khiến bạn bị ảnh hưởng rất nhiều.

Điểm tín dụng được đánh giá theo các tiêu chuẩn và quy tắc xếp hạng quốc tế được quản lý bởi trung tâm thông tin tín dụng CIC trực thuộc ngân hàng nhà nước sẽ đánh giá và phân tích hồ sơ tín dụng của bạn.

THÔNG TIN HỮU ÍCH

  1. Cách kiểm tra điểm tín dụng cá nhân
  2. Đáo hạn thẻ tín dụng – cách tránh nợ xấu khi chưa có tiền trả nợ tín dụng 

2/ Các thành phần của điểm tín dụng

Lịch sử thanh toán nợ (35%): điều này phản ánh việc thanh toán dư nợ đúng hạn hay trễ hạn, trả hết hay trả 1 phần. Và lịch sử thanh toán này được đánh giá dựa trên lịch sử thanh toán của chủ thẻ và việc trả đúng hạn, đúng ngày đủ số tiền sẽ giúp điểm tín dụng của bạn tốt hơn rất nhiều.

Các khoản nợ tín dụng (30%): phản ánh các khoản nợ tín dụng của chủ thẻ từ tổng số khoản tiền mà ngân hàng cấp. Và số điểm lý tưởng nhất là duy trì tỷ lệ nợ ở mức trung bình khoảng 7%.

Thời gian có lý lịch tín dụng (15%): phản ánh thời gian sử dụng thẻ của bạn tính từ khi mở thẻ. Nếu thời gian càng dài thì tổ chức tính dụng và ngân hàng có thể đánh giá được hành vi tín dụng của bạn một cách thuận lợi hơn.

Tín dụng mới (10%): thường các tài khoản tín dụng được mở càng lâu với thời gian sử dụng ít nhất 6 tháng càng có điểm tín dụng tốt hơn và góp phần xây dựng lịch sử tín dụng của bạn vững chắc. theo đó, việc tài khoản tín dụng mới có thể gây ảnh hưởng nhất là tỏng một thời gian ngắn mà bạn mở nhiều tài khoản tín dụng.

Loại tín dụng (10%): đây là tất cả các loại tín dụng mà bạn có như: thẻ tín dụng, các khoản vay của bạn. Và theo chuyên gia nếu chủ thẻ thường sử dụng nhiều đòn bẩy tài chính và trả nợ đúng hạn cho thấy người đi vay có khả năng xử lý tốt các khoản nợ từ thẻ tín dụng của mình.

điểm tín dụng là gì 2

3/ Lý do điểm tín dụng lại quan trọng đến vậy?

Điểm tín dụng rất quan trọng bởi điều này giúp các ngân hàng và các công ty tài chính có cái nhìn toàn diện về tình hình tài chính và khả năng thanh toán của bạn. Đồng thời nguyên nhân chậm thanh toán (nếu có) để có thể dựa vào đó mà đánh giá mức độ rủi do của khoản vay từ bạn mà ra quyết định cho vay phù hợp. Nếu điểm tín dụng của bạn tốt thì việc vay sẽ dễ dàng và ngược lại.

4/ Cách để cải thiện điểm tín dụng

Thông thường, điểm tín dụng thường năm trong khoảng từ 300 đến 850 điểm. Nếu chủ thẻ có số điểm từ 670 trở lên thì sẽ được coi là sở hữu điểm tín dụng tốt. tuy nhiên, nếu thấp hơn mức trung bình (từ 585 – 699 điểm) hoặc mức thấp (dưới 584 điểm) thì một số cách sau có thể giúp bạn cải thiện điểm tín dụng của mình:

  • Luôn thanh toán các khoản vay đúng hạn
  • Trả bớt nợ ngay khi có thể và luôn hạn chế phát sinh khoản nợ mới
  • Không nên dùng tài sản đảm bảo của mình để bảo lãnh cho khoản vay của người thân
  • Chỉ nên vay thêm hay mở thẻ tín dụng mới nếu thực sự cần thiết
  • Luôn theo dõi các báo cao tín dụng thường xuyên để điều chỉnh và lập kế hoạch chi tiêu cho phù hợp nhất cũng là cách để bạn phát hiện các thông tin không chính xác một cách nhanh nhất.

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