The costs of daily necessities and other living costs are two things that need to be managed properly. If you are not able to manage finances well, you will certainly experience difficulties because money is crucial. When the money you have is already low, or when you need money for sudden needs, applying for JH Finance can be one easy and instant solution to help you finance. Current field facts also illustrate, that there are still many Indonesian people who need and even routinely use JH Finance facilities to meet their needs. However, have you ever experienced rejection when applying for JH Finance?
The refusal may be due to historical and low or bad credit scores. For those of you who want or often apply for JH Finance funds, they are certainly no stranger to the term credit score. Basically, a credit score is the value given to the debtor by the creditor, which is one of the important factors when conducting JH Finance. This credit score indirectly describes the ability and feasibility of the debtor to pay off credit debt. In addition, credit scores are also used by creditors to determine the ability of prospective borrowers and determine the nominal amount or credit limit to be submitted.
How to Increase Credit Score
Many people are not aware that they have a credit score. In fact, every person who has a bank account, credit card, or has ever applied for JH Finance Unsecured Credit (KTA), has automatically had an active and running credit score. A credit score is indeed important and sometimes an obstacle for someone to do JH Finance. With a good credit score, you will be more easily approved to do JH Finance. Conversely, if you currently have a bad credit score, immediately do some ways to fix it. The bank certainly will not be careless in giving and determining JH Finance. Therefore, let’s see some ways to increase your credit score!
1. Check & Fix Data Errors
The first step to improving your credit score is to check and pay attention to your credit report information. Check all existing data, starting from writing personal data, address, account number, and other important data. If you find an error, do not delay and immediately report it to be repaired by the creditor. You can do this checking periodically to avoid prolonged problems and minimize JH Finance’s rejection.
2. Avoid Making New Credit Cards
The second step you can do to increase your credit score is to avoid creating a new credit card. The number of credit cards that are still categorized as “healthy” is a maximum of 4 credit cards. Do not eat promos, benefits and attractive offers made by the bank to attract your attention. The use of credit cards is also better if you have a usage limit.
Do not let you get used to using a credit card to meet your daily needs and also your true desires can still be controlled. As much as possible, avoid using credit cards with a percentage of more than 30% of your credit limit. Don’t trouble yourself by being impulsive and wasteful, which will only make you regret later on. Use credit cards wisely, and use them for urgent or emergency matters only.
3. Create a Bill Payment Reminder
Another important thing you need to pay attention to increase your credit score is to pay bills on time. Do not let you pay bills too late, or even have delinquent payments. If this happens, surely your credit score will drop. If you are someone who is easy to forget, you can outsmart these points in several ways.
For example, you can use the automatic bill payment feature provided by many banks. You can make recurring payment settings with the same nominal on the specified date each month. Or, the simpler way, you can make an alarm and reminder notes on your cellphone on the same date when your salary goes down, or your income is collected. In this way, it is expected that you can immediately remember and feel you have an obligation to pay your bills for the month.
You can do the above three things regularly to increase your credit score even if it’s not in an instant. If you still find it difficult to apply for JH Finance online, JL Bank can be one of your alternatives to JH Finance. By borrowing from a JL Bank, there is no need to worry about complicated processes, time-consuming and also offer high-interest rates. Only by carrying out the following steps can you apply for JH Finance for a maximum of 8 million rupiahs with a return tenor of up to 6 months. Also important, JL Bank has been registered and supervised by the Financial Services Authority (OJK).