내 신용점수 관리하기

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</style></head><body><article id="2fd77b99-9a66-4d79-9af8-283425980627" class="page sans"><header><h1 class="page-title">신용카드 발급 거절? 햇살론 카드 받으세요</h1></header><div class="page-body"><p id="e6ecd0c4-0698-4dda-a9d2-a34e9f2a4302" class="">신용점수가 낮아서 신용카드 발급이 거절되신 분들을 위한 상품이 나왔어요!</p><ul id="6605a1ca-7be1-4852-a401-f01a1b2b53c2" class="bulleted-list"><li style="list-style-type:disc">월 최대 200만 원까지, 할부도 이용할 수 있어요.</li></ul><ul id="18497c4f-1e64-4cca-8def-e7d80e2ad755" class="bulleted-list"><li style="list-style-type:disc">서민금융진흥원 앱을 통해 보증 약정을 체결하고, 카드사(롯데, 현대, 국민, 삼성, 신한, 우리, 하나)에 발급 신청하면 돼요.</li></ul><h2 id="78572767-f218-45de-8f0d-e9bf0a446c88" class="">이런 분이라면 가능해요.</h2><ul id="6118a32e-f10c-4955-9f29-667f23c2b8e5" class="bulleted-list"><li style="list-style-type:disc">연 가처분소득* 600만 원 이상이신 분<p id="26a5a8f6-bd35-4440-ba73-a6b4c42150bb" class=""><mark class="highlight-gray">*가처분소득: 소비/저축에 활용할 수 있는 소득</mark></p></li></ul><ul id="34dfda67-0507-4ff2-8b1b-2381f470d02c" class="bulleted-list"><li style="list-style-type:disc">신용점수가<strong> KCB 700점</strong> 또는<strong> NICE 744점</strong> 이하이신 분 (더 유리한 쪽으로 자동 선택된대요.)</li></ul><ul id="7e01a9ce-73bc-4310-bf1b-0d8b49d382ec" class="bulleted-list"><li style="list-style-type:disc"><a href="https://edu.kinfa.or.kr/academy/course/onDetail.do?ref1=LON&amp;mtScCode=SC1009">햇살론카드 필수교육</a>을 이수하신 분</li></ul><p id="2e228c9e-0f34-4667-9dee-13d4bd36bb34" class="">
</p><p id="4ca9d199-9d9f-4d7e-96d3-65271e65ab8d" class=""> <mark class="highlight-gray">작성일: 2023.01.26</mark></p></div></article></body></html>

신용카드 발급 거절?
햇살론 카드 받으세요

내 신용점수 올리기

<h1>NICE 점수? KCB 점수? 그게 다 뭐야?</h1><p>신용점수가 두 종류나 있다는 사실, 알고 계셨어요? 언뜻 복잡한 듯 보이는 두 신용점수의 차이점, 이 글만 읽으면 간단하게 알 수 있어요.</p><p>NICE점수와 KCB점수는 두 점수 모두 대출을 받거나 신용카드를 발급 받기 위한 중요한 요소로 작용해요. 점수가 두 가지인 이유는, 점수를 평가하는 평가사가 ‘NICE 평가정보’와 ‘올크레딧’으로 각각 다르기 때문이에요.</p><p>공통적으로 “상환이력, 부채수준, 신용거래기간, 신용형태” 네가지 요인의 영향을 받아요. 각 요인들을 정의하는 기준과 비율도 KCB와 NICE점수가 조금씩 달라요.</p><p><br></p><ul><li><p><strong>상환이력: </strong>NICE 점수에는 29.7%, KCB 점수에는 21% 반영돼요.</p><ul><li><p><strong>[NICE점수, KCB 점수]</strong></p><ul><li><p>주요 요인: 연체</p></li></ul><ul><li><p>연체가 발생하면 점수가 떨어지고, 연체가 해제되면 점수가 다시 올라요. 연체가 해제되고나서 오랜 시간이 지났다면 점수가 더 오를 수 있어요.</p></li></ul></li></ul></li></ul><ul><li><p><strong>부채수준: </strong>NICE 점수에는 25.5%, KCB 점수에는 24% 반영돼요.</p><ul><li><p><strong>[NICE점수]</strong></p><ul><li><p>주요 요인: 대출 발생 / 상환</p></li></ul><ul><li><p>대출이 발생했으면 점수가 떨어져요. 높은 금리의 대출을 받을수록, 고위험 대출로 분류되어 점수가 더 큰 폭으로 떨어질 수 있어요. 반대로 대출을 상환하면 점수가 다시 오를 수 있어요.</p></li></ul></li></ul><ul><li><p><strong>[KCB 점수]</strong></p><ul><li><p>주요 요인: 대출 상환 / 신용카드 잔액</p></li></ul><ul><li><p>NICE 점수와 달리 ‘대출 발생’을 ‘부채수준’에 포함대신 상환 시에 점수가 오르는 것은 동일해요.</p></li></ul><ul><li><p>신용카드 잔액이나 단기 카드대출의 잔액이 증가하면 신용점수가 떨어져요.</p></li></ul></li></ul></li></ul><ul><li><p><strong>신용거래기간: </strong>NICE 점수에는 13.5%, KCB 점수에는 9% 반영돼요.</p><ul><li><p><strong>[NICE점수, KCB 점수]</strong></p><ul><li><p>주요 요인: 신용거래 기간</p></li></ul><ul><li><p>오랜 기간 동안 정상적인 신용거래 (대출 개설, 신용카드 개설)를 했다면 이 항목에 긍정적인 영향을 미쳐요.</p></li></ul></li></ul></li></ul><ul><li><p><strong>신용형태: </strong>NICE 점수에는 31.3%, KCB 점수에는 38% 반영돼요.</p><ul><li><p><strong>[NICE점수]</strong></p><ul><li><p>주요요인: 할부 과다사용 / 현금서비스 사용 / 신용,체크카드 사용액</p></li></ul><ul><li><p>할부를 과다하게 사용하거나, 현금서비스를 사용하면 점수가 떨어져요. 신용카드/체크카드를 적정 금액으로 오랫동안 사용했다면 점수가 오를 수 있어요.</p></li></ul></li></ul><ul><li><p>[<strong>KCB 점수]</strong></p><ul><li><p>주요 요인: 대출 발생 / 채무보증 발생, 해소 / 체크카드 이용 기간 / 단기카드대출 발생</p></li></ul><ul><li><p>대출 발생 시, 고위험대출일수록 점수가 더 큰 폭으로 떨어져요.</p></li></ul><ul><li><p>채무 보증이 발생하면 점수가 떨어지고, 해소되면 올라요.</p></li></ul><ul><li><p>체크카드를 지속적으로 이용했다면 점수가 올라요.</p></li></ul><ul><li><p>단기카드대출을 이용했다면 점수가 떨어져요.</p></li></ul></li></ul></li></ul><ul><li><p><strong>비금융/마이데이터</strong>: KCB점수에만 8% 반영돼요.</p><ul><li><p>주요 요인: 비금융,마이데이터 성실납부 등록 여부 / 상환여력 / 신용관련 설문 응답 여부</p></li></ul><ul><li><p>[<strong>KCB 점수]</strong></p><ul><li><p>국민연금, 건강보험, 통신비, 보험료를 성실하게 상환했다는 것을 증명하면 신용점수가 올라요. 여러 금융앱에서 해당 서비스를 이용할 수 있어요.</p></li></ul><ul><li><p>소득이 올랐거나 예적금에 맡긴 금액이 증가했다면 채무를 더 잘 상환할 수 있는 능력이 있다고 보고 신용점수가 오를 수 있어요.</p></li></ul><ul><li><p>신용관련 설문지에 응답하고, 설문 결과에 따라 점수가 오를 수 있어요.</p></li></ul></li></ul></li></ul>

언뜻 복잡한 듯 보이는 두 신용점수의 차이점, 이 글만 읽으면 간단하게 알 수 있어요.

nice_kcb_score_explanation

NICE 점수? KCB 점수? 그게 다 뭐야?

내 대출, 최저 금리 확인하기

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</style></head><body><article id="bb0890ea-2e75-4a1f-9013-9acbe9a6d6b7" class="page sans"><header><h1 class="page-title">신용카드 리볼빙, 써도 될까?</h1></header><div class="page-body"><p id="413980f5-ec74-4aed-b918-2815f78c6a90" class="">신용카드 연체를 막아준다고 해서 가입한 리볼빙, 그런데 잘못 사용하면 오히려 빚도 빠르게 늘어나고, 신용점수가 더 떨어질 수 있어요.</p><h3 id="328c9091-d40e-4808-b5a4-95c0901d29f3" class="">리볼빙이 뭐예요?</h3><p id="1aac04c8-0705-4206-ae56-d1a8944c114e" class="">카드사에 <strong>“나 이번 달에는 결제 금액 중에 이만큼만 갚을게</strong>*<strong>!”</strong> 선언하면, 이번 달에 실제 사용액보다 더 적은 금액을 낼 수 있게 해주는 제도예요. 할부처럼 3개월/12개월 등 기간을 정하고 갚는 제도가 아니라서, 내가 갚고 싶은 시점이 될 때까지 결제를 미룰 수 있어요.</p><p id="7edb5fb4-0982-43c1-aa04-64e616193932" class="">이번 달에 카드값이 너무 많이 나왔거나 수입이 줄어들어서 카드값을 약속한 기한 내에 모두 갚을 수 없을 때, 리볼빙 서비스를 이용하면 카드값이 연체되어 신용점수가 떨어지는 것을 막을 수 있어요.</p><p id="c7aa4efd-eacf-4e84-9afd-f5b6ed526254" class=""><mark class="highlight-gray">* 10% 단위의 비율로 설정할 수 있어요. 약정 결제 비율이라고 해요.</mark></p><h3 id="5c5ac40d-c159-4654-9171-f325b85c88c7" class="">하지만 리볼빙 서비스는 신중하게 이용해야 해요.</h3><ul id="6aab9b1b-d885-4e0b-a68f-5dafaa5c8290" class="bulleted-list"><li style="list-style-type:disc">1️⃣ <strong>리볼빙 이자는 주요 7개 카드사 기준 15%~18%로 높은 편이에요</strong>. 할부에 이자가 붙는 것처럼, 리볼빙을 이용할 때도 이월된 금액에 높은 수수료가 붙어서 갚아야 할 돈이 커지고, 시간이 지날수록 수수료를 더 많이 내야 해요.</li></ul><ul id="b1beebb4-812e-48da-85ee-ac4176baa56f" class="bulleted-list"><li style="list-style-type:disc">2️⃣ <strong>리볼빙은 신용점수가 낮아지는 데에도 영향을 미칠 수 있어요.</strong> 리볼빙 서비스를 지속적으로 이용하면 결제되지 않은 카드 대금이 오랫동안 남아있게 돼요. 미결제 대금이 오래 남아있으면 KCB 점수의 ‘부채 수준’ 항목에, NICE 점수의 ‘신용 형태’ 항목에 부정적인 영향을 미칠 수 있어요.</li></ul><p id="5daa24f6-1292-40ea-a974-d2e443b37fd6" class="">
</p><h3 id="648ca3bb-9e92-43b3-a6d2-4f4a09b9dfaf" class="">리볼빙, 이렇게 사용해보세요</h3><ul id="b6064065-4a17-49aa-9d50-b8f5ef7791f9" class="bulleted-list"><li style="list-style-type:disc">1️⃣ <strong>약정 결제 비율을 100%에 가깝게 설정해 보세요.</strong> 이번 달에서 다음 달로 결제를 미루는 금액의 크기가 작다면 수수료 총액도 줄어들어요.</li></ul><ul id="52e30c14-f036-402e-85e3-b4fc908dada1" class="bulleted-list"><li style="list-style-type:disc">2️⃣ 리볼빙 서비스를 이용할 때 내야 하는 수수료는 대출금리와 비교했을 때도 비쌀 수 있어요. 리볼빙을 이용할까 고민 중이거나, 이미 이용 중이라면 <strong>리볼빙 수수료율보다 낮은 이자율을 가진 대출은 없는지 먼저 확인해보세요.</strong></li></ul></div></article></body></html>

리볼빙 서비스의 장단점, 한 번에 정리했어요.

credit_card_revolving_service

신용카드 리볼빙, 써도 될까?

내 신용점수, 왜 이럴까? 확인하기

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	fill: rgba(68, 131, 97, 1);
}
.highlight-blue {
	color: rgba(51, 126, 169, 1);
	fill: rgba(51, 126, 169, 1);
}
.highlight-purple {
	color: rgba(144, 101, 176, 1);
	fill: rgba(144, 101, 176, 1);
}
.highlight-pink {
	color: rgba(193, 76, 138, 1);
	fill: rgba(193, 76, 138, 1);
}
.highlight-red {
	color: rgba(212, 76, 71, 1);
	fill: rgba(212, 76, 71, 1);
}
.highlight-gray_background {
	background: rgba(241, 241, 239, 1);
}
.highlight-brown_background {
	background: rgba(244, 238, 238, 1);
}
.highlight-orange_background {
	background: rgba(251, 236, 221, 1);
}
.highlight-yellow_background {
	background: rgba(251, 243, 219, 1);
}
.highlight-teal_background {
	background: rgba(237, 243, 236, 1);
}
.highlight-blue_background {
	background: rgba(231, 243, 248, 1);
}
.highlight-purple_background {
	background: rgba(244, 240, 247, 0.8);
}
.highlight-pink_background {
	background: rgba(249, 238, 243, 0.8);
}
.highlight-red_background {
	background: rgba(253, 235, 236, 1);
}
.block-color-default {
	color: inherit;
	fill: inherit;
}
.block-color-gray {
	color: rgba(120, 119, 116, 1);
	fill: rgba(120, 119, 116, 1);
}
.block-color-brown {
	color: rgba(159, 107, 83, 1);
	fill: rgba(159, 107, 83, 1);
}
.block-color-orange {
	color: rgba(217, 115, 13, 1);
	fill: rgba(217, 115, 13, 1);
}
.block-color-yellow {
	color: rgba(203, 145, 47, 1);
	fill: rgba(203, 145, 47, 1);
}
.block-color-teal {
	color: rgba(68, 131, 97, 1);
	fill: rgba(68, 131, 97, 1);
}
.block-color-blue {
	color: rgba(51, 126, 169, 1);
	fill: rgba(51, 126, 169, 1);
}
.block-color-purple {
	color: rgba(144, 101, 176, 1);
	fill: rgba(144, 101, 176, 1);
}
.block-color-pink {
	color: rgba(193, 76, 138, 1);
	fill: rgba(193, 76, 138, 1);
}
.block-color-red {
	color: rgba(212, 76, 71, 1);
	fill: rgba(212, 76, 71, 1);
}
.block-color-gray_background {
	background: rgba(241, 241, 239, 1);
}
.block-color-brown_background {
	background: rgba(244, 238, 238, 1);
}
.block-color-orange_background {
	background: rgba(251, 236, 221, 1);
}
.block-color-yellow_background {
	background: rgba(251, 243, 219, 1);
}
.block-color-teal_background {
	background: rgba(237, 243, 236, 1);
}
.block-color-blue_background {
	background: rgba(231, 243, 248, 1);
}
.block-color-purple_background {
	background: rgba(244, 240, 247, 0.8);
}
.block-color-pink_background {
	background: rgba(249, 238, 243, 0.8);
}
.block-color-red_background {
	background: rgba(253, 235, 236, 1);
}
.select-value-color-pink { background-color: rgba(245, 224, 233, 1); }
.select-value-color-purple { background-color: rgba(232, 222, 238, 1); }
.select-value-color-green { background-color: rgba(219, 237, 219, 1); }
.select-value-color-gray { background-color: rgba(227, 226, 224, 1); }
.select-value-color-opaquegray { background-color: rgba(255, 255, 255, 0.0375); }
.select-value-color-orange { background-color: rgba(250, 222, 201, 1); }
.select-value-color-brown { background-color: rgba(238, 224, 218, 1); }
.select-value-color-red { background-color: rgba(255, 226, 221, 1); }
.select-value-color-yellow { background-color: rgba(253, 236, 200, 1); }
.select-value-color-blue { background-color: rgba(211, 229, 239, 1); }

.checkbox {
	display: inline-flex;
	vertical-align: text-bottom;
	width: 16;
	height: 16;
	background-size: 16px;
	margin-left: 2px;
	margin-right: 5px;
}

.checkbox-on {
	background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg%20width%3D%2216%22%20height%3D%2216%22%20viewBox%3D%220%200%2016%2016%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%0A%3Crect%20width%3D%2216%22%20height%3D%2216%22%20fill%3D%22%2358A9D7%22%2F%3E%0A%3Cpath%20d%3D%22M6.71429%2012.2852L14%204.9995L12.7143%203.71436L6.71429%209.71378L3.28571%206.2831L2%207.57092L6.71429%2012.2852Z%22%20fill%3D%22white%22%2F%3E%0A%3C%2Fsvg%3E");
}

.checkbox-off {
	background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg%20width%3D%2216%22%20height%3D%2216%22%20viewBox%3D%220%200%2016%2016%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%0A%3Crect%20x%3D%220.75%22%20y%3D%220.75%22%20width%3D%2214.5%22%20height%3D%2214.5%22%20fill%3D%22white%22%20stroke%3D%22%2336352F%22%20stroke-width%3D%221.5%22%2F%3E%0A%3C%2Fsvg%3E");
}
	
</style></head><body><article id="8dab2611-f98a-4373-ab8c-c66ca4e48122" class="page sans"><header><h1 class="page-title">내 신용점수 왜 이럴까, 직접 물어볼 수 있어요</h1></header><div class="page-body"><p id="389b3b2c-c883-4d74-9905-e9c1c1fc3514" class="">내 신용점수가 왜 지금 점수인지 궁금하세요?</p><p id="af7abcf7-f895-475f-bf54-6da6de447dea" class="">NICE 점수, KCB 점수를 매기는 평가 기관에, ‘내 신용점수는 왜 이래?’ 직접 물어보는 방법이 있어요!<div class="indented"><ul id="96f4cf4d-7a73-449c-a2ab-c534ecc646ab" class="bulleted-list"><li style="list-style-type:disc">NICE 점수: NICE 지키미 홈페이지 &gt; 고객센터 &gt; 문의하기 &gt; 신용상담 신청 &gt; 상담 신청(탭)</li></ul><ul id="9a45d934-2a42-4682-9dee-111e7ae44592" class="bulleted-list"><li style="list-style-type:disc">KCB 점수: 올크레딧 홈페이지 &gt; 고객센터 &gt; 1:1 문의 &gt; 질문유형 ‘신용평가 이의제기’ 선택</li></ul></div></p><p id="56dc4b2b-1190-400d-9ed1-c312d383d871" class="">만약 내 신용점수가 바뀐 요인이 납득되지 않는다면 이의신청까지 할 수 있어요.</p><p id="a86eadbb-b29a-4040-9a57-99a6e6899427" class="">그러나 이의신청이 실제로 반영되는 비율은 100명 중 2~3명 정도예요.</p><p id="b7f54af8-fa6f-45ba-8dba-3f3c368f008b" class="">
</p><p id="67132041-7194-43f9-b081-b21099107f2c" class="">크레딧플래닛에서는 내 신용점수를 낮추는 원인을 분석하고, 높은 점수를 받을 수 있도록 솔루션까지 제공해줘요.</p></div></article></body></html>

직접 물어보고, 이의신청까지 가능해요.