Financial tip:

Stop using all e-commerce installment payment products, such as Meituan Pay Later, monthly payment, Ctrip Naquhua, Ant Huabei, and JD Baitiao. These products are essentially consumer loans, and financial companies do not have credit authorization channels.

Use credit cards instead. As long as you pay on time and try to pay in full, you will accumulate credit history. So you can apply for multiple credit cards, starting with the four major state-owned banks to build credit history, then apply for cards from other banks. At my peak, I had credit cards from 13 banks and 15 savings accounts.

In fact, most people are not yet aware of the importance of financial asset data. At critical moments, financial data can be monetized.