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Can I apply for a memory card if my credit card is overdue?
You can apply for a peer savings card. Because credit card arrears will only affect personal credit, and the impact on themselves will be that they cannot get bank loans. Savings card is a payment and settlement tool, which does not involve personal credit. You can apply for bank handling according to law.

After applying for bank credit card consumption, the overdue problem is not only a concern of banks, but also a special concern of cardholders. For banks, overdue credit cards are commonly known as "bad debt rate". Once the bad debt rate is high, banks will introduce policies or other measures to limit it. The problem of overdue is not a fluke for users. Once you fail to return to the blacklist of bank credit information within the time limit, your consumption may be restricted in the future.

Banks are not charities. First, think about it. When a bank handles a credit card, it will ask you to fill in a lot of information and then check the authenticity of the user's information. At this time, the bank is evaluating your credit qualification. If you use a credit card and the bill is overdue, do you want to run away directly? Sorry, it does not exist. The bank can contact you or your emergency contact at any time, that is, your relatives and friends.

Once your credit card is overdue, the bank will remind you to repay it as soon as possible. Note that this is just a reminder. However, if the repayment is not made after receiving the notice, then the bank will use the means of "collection". Seriously, it is necessary to leave overdue records on personal credit report. Once on the credit report, it will become your credit stain.

Being a "credit black account", also known as a "credit black account", it is difficult to apply for a domestic credit card if there is a stain on the credit information.

So, if your credit card is overdue, you still have to return it. You have to pay it back when you go out for a stroll. If the problem is not serious, you can try to communicate with the bank and try to eliminate your negative record. There is an old saying in China that "it's only natural to pay back debts". When you use a credit card, the bank originally lent you money to spend in advance. After the account is paid one month later, you must repay it honestly, not to mention overdue.