{"id":52802,"date":"2022-03-08T23:00:00","date_gmt":"2022-03-08T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=52802"},"modified":"2022-03-08T21:55:12","modified_gmt":"2022-03-08T21:55:12","slug":"o-que-avaliar-na-hora-pedir-credito","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/o-que-avaliar-na-hora-pedir-credito\/","title":{"rendered":"Ce s\u0103 evaluezi atunci c\u00e2nd aplici pentru credit?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>Afla\u021bi cum s\u0103 v\u0103 preg\u0103ti\u021bi pentru cerere \u0219i s\u0103 fi\u021bi aprobat cu u\u0219urin\u021b\u0103<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Afinal, o que avaliar na hora de pedir cr\u00e9dito e garantir aprova\u00e7\u00e3o? Fonte: Adobe Stock.\"  id=\"52803\" src=\"https:\/\/cdn.adtechpanda.com\/e19ec20a-313e-42a7-ae3f-82a067cdac80\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La urma urmei, ce ar trebui s\u0103 evalua\u021bi atunci c\u00e2nd solicita\u021bi credit \u0219i v\u0103 asigura\u021bi aprobarea? Sursa: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Exist\u0103 lucruri pe care le putem evalua atunci c\u00e2nd solicit\u0103m un credit care pot fi decisive pentru aprobarea sau dezaprobarea noastr\u0103. \u00cen plus, \u00een acest moment exist\u0103 \u0219i multe \u00eendoieli. Prin urmare, trebuie s\u0103 ave\u021bi \u00een vedere c\u00e2teva puncte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uneori, \u00een goana necesit\u0103\u021bii, unii iau decizii necugetate \u0219i ajung s\u0103 cad\u0103 \u00een \u00een\u0219el\u0103torie. Prin urmare, este necesar s\u0103 evalua\u021bi cu aten\u021bie atunci c\u00e2nd solicita\u021bi credit. Astfel, se evit\u0103 astfel de situa\u021bii. \u00cen plus, acordarea aten\u021biei punctelor cheie importante v\u0103 cre\u0219te \u0219ansele de aprobare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 sunte\u021bi pe cale s\u0103 solicita\u021bi un serviciu de creditare, citi\u021bi con\u021binutul nostru \u0219i minimiza\u021bi \u0219ansele de dezaprobare sau fraud\u0103. Verific\u0103!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>Cum s\u0103 v\u0103 preg\u0103ti\u021bi atunci c\u00e2nd solicita\u021bi credit<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218tia\u021bi c\u0103 exist\u0103 modalit\u0103\u021bi de preg\u0103tire pentru a aplica pentru servicii de credit? Mul\u021bi oameni fac gre\u0219eala de a solicita carduri sau \u00eemprumuturi f\u0103r\u0103 o preg\u0103tire adecvat\u0103. Prin urmare, ajung s\u0103 a\u0219tepte zile \u0219i s\u0103 fie respin\u0219i.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, acest timp este irosit \u00eentr-un mod complet inutil, pentru c\u0103 oamenii ar fi putut analiza c\u00e2teva aspecte care i-ar ajuta cu aprobare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, principalele aspecte variaz\u0103 de la rela\u021bia cu banca p\u00e2n\u0103 la scorul de credit al unei persoane. Prin urmare, acest lucru \u0219i alte detalii pot afecta aprobarea sau respingerea rapid\u0103 de c\u0103tre banc\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Verifica\u021bi mai jos cum s\u0103 v\u0103 preg\u0103ti\u021bi atunci c\u00e2nd solicita\u021bi credit.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>Evalueaz\u0103-\u021bi rela\u021bia cu banca<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, pentru a garanta o cerere sigur\u0103 \u0219i o aprobare garantat\u0103, este necesar s\u0103 evalu\u0103m la cererea de credit ce rela\u021bie avem cu banca. Cu alte cuvinte, care este palmaresul nostru cu el.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, g\u00e2ndi\u021bi-v\u0103 c\u0103 atunci c\u00e2nd \u00eemprumu\u0103m bani sau facem favoruri cuiva care ajunge s\u0103 nu pl\u0103teasc\u0103, este pu\u021bin probabil s\u0103 \u00eemprumut\u0103m din nou. Prin urmare, acela\u0219i lucru este valabil \u0219i cu b\u0103ncile \u0219i institu\u021biile financiare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu alte cuvinte, dac\u0103 sunte\u021bi unul dintre cei care \u00eent\u00e2rzie multe rate \u0219i nu reu\u0219e\u0219te s\u0103 pl\u0103teasc\u0103 unele facturi, acest lucru v\u0103 va afecta rela\u021bia cu banca. \u00cen acest fel, sunte\u021bi mai susceptibil s\u0103 vi se resping\u0103 cererea de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, \u00eencearc\u0103 s\u0103 aplici pentru credit la b\u0103ncile \u00een care ai o reputa\u021bie \u0219i o rela\u021bie bun\u0103. Astfel, \u0219ansele de aprobare vor cre\u0219te cu siguran\u021b\u0103.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>Verifica\u021bi op\u021biunile de credit disponibile<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Confira as op\u00e7\u00f5es dispon\u00edveis e avalie seu perfil financeiro. Al\u00e9m disso, mantenha um bom relacionamento com o banco Tudo isto poder\u00e1 lhe ajudar com a aprova\u00e7\u00e3o. Fonte: Adobe Stock.\"  id=\"52804\" src=\"https:\/\/cdn.adtechpanda.com\/3773f36b-3216-4654-b1c7-424d638b20bf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Verific\u0103 op\u021biunile disponibile \u0219i evalueaz\u0103-\u021bi profilul financiar. Mai mult, men\u021bine\u021bi o rela\u021bie bun\u0103 cu banca, toate acestea v\u0103 pot ajuta cu aprobarea. Sursa: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen al doilea r\u00e2nd, este esen\u021bial ca \u00eenainte de a aplica pentru credit s\u0103 fie analizate toate op\u021biunile disponibile pe pia\u021b\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu alte cuvinte, indiferent dac\u0103 accepta\u021bi negative sau nu, cerin\u021bele financiare pentru aplica\u021bie \u0219i orice altceva. Acest lucru v\u0103 va ajuta s\u0103 \u00een\u021belege\u021bi care credit este cel mai bun pentru profilul dvs. financiar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, exist\u0103 credite cu limite mai mari sau care necesit\u0103 un venit minim. Al\u021bii analizeaz\u0103 \u0219i istoricul financiar al clientului, care, la r\u00e2ndul s\u0103u, poate primi respingere dac\u0103 este negativ.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, trebuie s\u0103 analizezi cele mai bune op\u021biuni care au cele mai mari \u0219anse de aprobare \u00een func\u021bie de profilul t\u0103u. Indiferent dac\u0103 s\u0103 solicita\u021bi un \u00eemprumut sau un card de credit.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1Tgis8\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/qual-score-minimo-cartao-de-credito\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Care este scorul minim al cardului de credit?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/37cf9ee4-7e7d-4f03-ae3d-532dbfa2f4b6\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/qual-score-minimo-cartao-de-credito\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Care este scorul minim al cardului de credit?\">\n            Care este scorul minim al cardului de credit?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Afla\u021bi aici scorul minim pentru a ob\u021bine un card de credit \u0219i pentru a evita respingerea \u00een timpul cererilor.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/qual-score-minimo-cartao-de-credito\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/ro\/qual-score-minimo-cartao-de-credito\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/37cf9ee4-7e7d-4f03-ae3d-532dbfa2f4b6\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Care este scorul minim al cardului de credit?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/qual-score-minimo-cartao-de-credito\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>G\u00e2ndi\u021bi-v\u0103 dac\u0103 ave\u021bi cu adev\u0103rat nevoie de credit<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un alt factor determinant care poate evita multe complica\u021bii este evaluarea atunci c\u00e2nd solicit\u0103m credit dac\u0103 avem \u00eentr-adev\u0103r nevoie de el. Aceasta \u00eenseamn\u0103 c\u0103 nu putem solicita un card, de exemplu, doar pentru a face cump\u0103r\u0103turi de zi cu zi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, fiecare serviciu are costurile lui. Prin urmare, dac\u0103 ajungem s\u0103 solicit\u0103m un card \u00een mod inutil \u0219i nu ne putem permite costurile viitoare, acest lucru ar putea duce la datorii inutile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, trebuie s\u0103 ne analiz\u0103m situa\u021bia financiar\u0103 \u0219i s\u0103 prevedem o limit\u0103 pentru taxa anual\u0103 \u0219i taxele pe care le putem pl\u0103ti lunar. Cu alte cuvinte, trebuie s\u0103 aplic\u0103m pentru un card care s\u0103 ne \u00eencap\u0103 \u00een buzunar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, chiar dac\u0103 limita este mai mic\u0103, poate merit\u0103 s\u0103 pl\u0103ti\u021bi rate mai mici \u0219i s\u0103 evita\u021bi complica\u021biile financiare.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>Acorda\u021bi aten\u021bie costului total efectiv al creditului<\/strong><\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe l\u00e2ng\u0103 toate ratele pe care trebuie s\u0103 le analiz\u0103m \u00eenainte de a solicita un serviciu de credit, mai exist\u0103 \u0219i CET (Total Effective Cost of Credit). Cu alte cuvinte, un cost care ajunge s\u0103 fie ignorat de mul\u021bi solicitan\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din aceasta cauza ajung sa solicite un serviciu de creditare care face datoriile si mai scumpe si ratele mult mai mari decat se astepta la momentul solicitarii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, este esen\u021bial s\u0103 se analizeze dac\u0103 CET este perceput la o valoare acceptabil\u0103 pentru a evita alte probleme \u00een viitor la plata taxelor \u0219i comisiilor pentru serviciile de credit.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>De ce \u021bi-a fost respins\u0103 cererea atunci c\u00e2nd ai solicitat credit?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Exist\u0103 dou\u0103 motive principale care ar fi putut determina respingerea cererii dvs. de credit. Prin urmare, acestea sunt numele negativ sau scorul de credit sc\u0103zut.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu alte cuvinte, aceste proceduri vor depinde foarte mult de serviciul solicitat, \u00eentruc\u00e2t exist\u0103 b\u0103nci \u0219i institu\u021bii financiare care \u00eengreuneaz\u0103 foarte mult persoanele negative s\u0103 le solicite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Din aceast\u0103 cauz\u0103, oamenii ajung s\u0103 e\u0219ueze, de\u0219i au condi\u021biile prealabile pentru a aplica pentru credit. \u00cen plus, a avea un scor de credit sc\u0103zut poate duce la dezaprobare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, este necesar s\u0103 verifici dac\u0103 scorul t\u0103u este suficient de bun pentru a aplica pentru creditul ales. \u00cen plus, dac\u0103 este necesar, m\u0103ri\u021bi-l \u00eenainte de a solicita serviciul pentru a reduce \u0219ansele de defec\u021biune.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lucrul esen\u021bial este s\u0103 ave\u021bi un scor care este \u00een jur de 600 p\u00e2n\u0103 la 800 de puncte pentru a primi aprobarea de la orice banc\u0103.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>Cum s\u0103-\u021bi cre\u0219ti scorul de credit<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Por fim, entenda como melhorar seu score de cr\u00e9dito. Fonte: Adobe Stock.\"  id=\"52805\" src=\"https:\/\/cdn.adtechpanda.com\/2da9d102-e5bb-40af-b366-b71656d5d886\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00cen cele din urm\u0103, \u00een\u021belege\u021bi cum s\u0103 v\u0103 \u00eembun\u0103t\u0103\u021bi\u021bi scorul de credit. Sursa: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, mul\u021bi oameni cred c\u0103 este foarte dificil s\u0103-\u0219i creasc\u0103 scorul de credit. Cu toate acestea, nu este. Prin urmare, poate dura ceva timp, \u00een func\u021bie de situa\u021bia financiar\u0103 actual\u0103. Deci, trebuie s\u0103 \u00een\u021belegem c\u00e2teva motive pentru care scorul este sub acceptabil:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Neplata facturilor si facturilor;<\/li><li>\u00cent\u00e2rzieri la pl\u0103\u021bi;<\/li><li>Datorii;<\/li><li>Pl\u0103\u021bi efectuate \u00een jum\u0103tate;<\/li><li>Cre\u0219terea dob\u00e2nzii la facturi;<\/li><li>Achizitii cu rate foarte mari.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Oricum, dup\u0103 cum vedem, aceste activit\u0103\u021bi care scad scorul sunt str\u00e2ns legate, \u00een principal, de datorii. Aceasta \u00eenseamn\u0103 c\u0103 datoriile sunt principalele motive pentru care scorul nostru scade treptat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci cea mai simpl\u0103 solu\u021bie este s\u0103 faci invers. Cu alte cuvinte, pl\u0103ti\u021bi toate facturile la timp \u0219i f\u0103r\u0103 \u00eent\u00e2rziere. Mai mult, merit\u0103 s\u0103 evita\u021bi datoriile \u0219i s\u0103 le negocia\u021bi pe cele pe care le ave\u021bi deja. Toate acestea vor face ca scorul dvs. de credit s\u0103 creasc\u0103 \u00een timp. Oricum, atunci destul<strong> <\/strong>evalua\u021bi atunci c\u00e2nd solicita\u021bi credit<strong> <\/strong>Dac\u0103 scorul este bun, s\u0103 fie aprobat!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u021ai-a pl\u0103cut con\u021binutul? Cu toate acestea, dac\u0103 ave\u021bi un scor sc\u0103zut \u0219i ave\u021bi nevoie de credit, consulta\u021bi con\u021binutul nostru recomandat.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZrPJmx\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/emprestimo-pessoal-online-com-score-baixo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 ob\u021bine\u021bi un \u00eemprumut personal cu un scor sc\u0103zut\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4c55264d-42e7-4889-99d4-b6f233842021\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/emprestimo-pessoal-online-com-score-baixo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 ob\u021bine\u021bi un \u00eemprumut personal cu un scor sc\u0103zut\">\n            Cum s\u0103 ob\u021bine\u021bi un \u00eemprumut personal cu un scor sc\u0103zut        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00cen\u021belege\u021bi cum s\u0103 ob\u021bine\u021bi un \u00eemprumut personal cu un scor sc\u0103zut. Solicita-ti pe al tau si iesi din criza!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/emprestimo-pessoal-online-com-score-baixo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Afl\u0103 aici tot ce te poate ajuta s\u0103 garantezi aprobarea cererii tale!<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29],"tags":[1031,3163,3165,3164,3166,288,2303],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>O que avaliar na hora de pedir cr\u00e9dito? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Descubra aqui os itens que podemos avaliar na hora de pedir cr\u00e9dito que, por sua vez, podem ser determinantes para a aprova\u00e7\u00e3o da solicita\u00e7\u00e3o.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/ro\/o-que-avaliar-na-hora-pedir-credito\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que avaliar na hora de pedir cr\u00e9dito?\" \/>\n<meta property=\"og:description\" content=\"Descubra aqui os itens que podemos avaliar na hora de pedir cr\u00e9dito que, por sua vez, podem ser determinantes para a aprova\u00e7\u00e3o da solicita\u00e7\u00e3o.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/ro\/o-que-avaliar-na-hora-pedir-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-08T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-08T21:55:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.adtechpanda.com\/e19ec20a-313e-42a7-ae3f-82a067cdac80\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marina Poncio\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/senhorpanda.com\/o-que-avaliar-na-hora-pedir-credito\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/e19ec20a-313e-42a7-ae3f-82a067cdac80\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/e19ec20a-313e-42a7-ae3f-82a067cdac80\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/o-que-avaliar-na-hora-pedir-credito\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/o-que-avaliar-na-hora-pedir-credito\/\",\"name\":\"O que avaliar na hora de pedir cr\u00e9dito? 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