How to check my credit rating with Kakao Pay
Kakao Pay How to check my credit rating!
First, launch the Kakao Pay app. 통신등급 조회
After clicking the ‘More’ button at the bottom of the first
Click the ‘Credit Check’ button
You can check your credit rating! 이베이스매뉴얼
* Credit ratings may vary by individual
You can check your loan history and credit card usage history (for the month) here.
You can check the expected loan interest rate and more for your credit rating!
Click the ‘Compare Loan’ button at the top
You can check the loan interest rate suitable for your current credit rating.
The higher the credit rating, the higher the loan limit.
You can get a loan at a lower interest rate!
* Actual loan limit, etc. may vary depending on the bank
So, how do you manage your credit rating?
* Kakao Pay credit rating management tips
Credit rating is how reliable you are in financial transactions.
It is an indicator that evaluates whether you are a person.
If your credit rating is low, you may not be able to repay your loan.
They either decline the loan or increase the interest rate on the loan because they judge it to be high.
When your credit rating goes down, even if it goes down quickly, recovery is slow.
If you have a loan plan, it is better to take care and manage it in advance.
Things that negatively affect your credit rating
1. Overdue credit card payment or loan payment
▶ If more than 100,000 won is overdue for more than 5 business days, your credit rating will be lowered.
Even if you repay arrears, your credit rating will not be restored immediately.
Since overdue information is used for one year, you should not make overdue payments in the first place.
2. Non-payment of national or local taxes
▶ If the amount of arrears is 5 million won or more and one year has passed since the date of the occurrence of the default, or
If you have 3 or more tax arrears within a year, your credit rating will be lowered.
Please pay before the due date, as the tax arrears information will be used for 3 years.
You can easily pay national and local taxes from your Kakao Pay bill.
* Among Kakao Pay information
3. Increase in loan amount or number of loans
▶ As the amount of loans or the number of loans increases, the amount of debt to be repaid increases.
As the risk grows, your credit rating goes down.
Before taking out a loan, think twice about whether the loan is absolutely necessary.
Get a loan that you can repay.
Credit Rating Management Tips
1. Don’t be late even for a small amount
▶ Overdue information has a negative impact on credit rating evaluation.
This is the most important factor. No overdue under any circumstances.
If you have overdue loans, pay them off first.
2. Steady credit rating check and management
▶ No matter how many times you search Kakao Pay, it does not affect your credit rating.
Check and manage your credit rating regularly.
3. Use your credit and debit cards properly
▶ Credit cards may exceed your income range.
It is likely to be consumed, but if you plan and use it well without overdue
It can help improve your credit rating.
Use credit and debit cards together.
4. Create a main transaction finance company and make automatic debit
▶ Do not change the transaction finance company often, but choose the main financial company
Try payroll transfer, credit card payment, and automatic utility bill payment.
Your credit rating is also managed, and you can get preferential rates and fee waivers.
5. Using the credit evaluation bonus system
▶ Such as telecommunication fees, national pension, health insurance fees, city gas or water fees, etc.
The performance or income amount of paying utility bills for more than 6 months
When submitted to a personal credit rating company, it will be used for credit rating calculation.
It counts as a point factor.
From KCB All Credits or NICE Rating Information NICE Jikimi
Submit non-financial information.
How to check my credit rating with Kakao Pay
You can easily view your credit rating through Kakao Pay!
Loan limits and interest rates fluctuate depending on your credit rating.
Credit rating inquiry through Kakao Pay does not affect your credit rating!
thank you!
Let’s take the time to learn how to check the communication rating and how to use SKT, KT, and LGU+. The reason telecommunication ratings are attracting attention is that more financial companies are using telecommunication ratings instead of the existing KCB or NICE credit ratings.
Even people with low credit scores who do not have high credit scores can receive financial products with good conditions at low interest rates if their telecommunication rating is high.
Overdue record inquiry
What is communication level?
Telecommunication rating refers to the rating that a telecommunication company evaluates its creditworthiness based on its own telecommunication service information.
However, please note that since only the communication ratings of SKT, LGU+, and KT are recognized by financial institutions, the communication ratings are not calculated for those who use thrifty phones.
How to check communication level inquiry
In the past, there was no way to directly inquire the communication level, but recently, as the utilization has increased, individuals can directly inquire their communication level.
SKT communication rating inquiry
In order to check the SKT communication level, you need to install the Finck application.
1. Download the Pink App
2. Click on Assets
3. Click Credit
4. Check the communication level in T-Stocore
When you search the T-score, the score is displayed, and through this, you can receive a discount on interest rates when using loan products from affiliated financial institutions.
KT communication rating inquiry
After accessing the KT website, simple self-authentication is performed, and then the communication level is checked. KT can also benefit from interest rate cuts in the financial sector by using the telecommunication rating.
Go to KT communication rating inquiry
However, in case of LGU+, the inquiry service is not available.
Using a loan with a telecom rating
The number of products that can be borrowed with telecommunication grades is increasing. These products do not require an income or credit rating, so you can use them even if you have a low credit rating or no income.
A place with a high rate of approval for a Grade 7 unemployed loan
1. Woori Bank Emergency Loan
In the case of Woori Bank emergency loan, if you fall within the 9th grade of telecommunication grade, you can borrow up to 3 million won regardless of occupation or income.
If there is no overdue communication fee, you can proceed after checking it, as it usually shows up to level 9.
See Loans for Low-Income Classes
2. Nonghyup All One Bank Emergency Loan
Based on the 9th grade, you can borrow up to 3 million won regardless of occupation or income. As a result of hearing from many people, please note that All One Bank has a high approval rate.
How to check unpaid cell phone bills
I showed you how to check the communication level. If you have checked the communication level, please check separately if there are no outstanding charges.
It takes less than a minute to check all unpaid bills, so please check if there is any overdue payment.