If your credit card is overdue once, you can still apply for a loan from the bank. However, if it is overdue in the same month, you cannot apply for a loan. You need to wait for the credit report to be updated before you can apply for a loan. Generally speaking, bank loans have the current credit report requirements. It cannot be overdue once, it cannot be overdue twice in half a year, it cannot be overdue twice in a row in a year, it cannot be overdue three times in a row in two years, and there can be a total of 6 overdues.

Required documents for applying for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence certificate, and proof of fixed residence;

3. Proof of marital status;

4. Bank statement;

5. Proof of income or personal asset status;

6. Credit report;

7. Loan usage plan or statement;

8. Other information required by the bank.

Required conditions for bank loans:

(1) Applicants who are over 18 years old and have full capacity for civil conduct, urban residents’ permanent residence or legal and valid resident identity certificate, bank loan requirements The borrower's age is generally between 18-60 years old;

(2) Have stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank .

The procedure for unsecured loans is generally divided into three steps:

(1) The customer submits basic information, including work unit and contact number.

(2) The lending bank or company checks the customer's credit information, including whether the customer's credit rating has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

(3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.