Will affect. Credit card arrears will lead to problems in your credit information and affect your loan. If you want to use a credit card, you must first understand the rules of use. If you can accept it, you can apply. If you can't accept it, you'd better not apply. After all, credit cards belong to overdraft card, and not everyone can use them at will. Many staff who recommend you to apply for a credit card only care about their own performance, regardless of whether you have the ability to pay the overdraft limit. Everyone wants you to get a credit card.

1. What is a credit card?

Credit card, also known as credit card, is a bank card that can be overdrawn. Every bank can handle it, and the amount ranges from thousands to hundreds of thousands. Some will match the overdraft limit according to your income, while others will match customers according to your needs regardless of your income geometry. When applying for a credit card, you should first ask yourself why you want to apply for a credit card, what is the purpose of applying for a credit card, whether you have a fixed income, and whether you have enough money to pay the overdraft when the credit card repayment date comes. Make all these questions clear before deciding whether to apply for a credit card. After all, overdue credit cards will affect your credit information. Buying a house, buying a car and looking for a bank loan will be affected in the future.

Two. Advantages and disadvantages of credit cards

Credit cards are very convenient to use and can alleviate the problem of insufficient funds for cardholders. You can also use credit card points to redeem exquisite gifts and special rights. The disadvantages of credit cards are also very obvious. Charge higher interest, easy to over-consume or blindly consume. Once a serious overdue record is generated, it will affect personal credit information. Credit cards are mainly used for the daily consumption of cardholders and provide a certain amount for cardholders.

Three. Credit card repayment date

Take CCB's credit card as an example. The repayment date is 25th of each month. The bill generation date is 5th of each month, and the bill cycle is 5th of last month to 5th of this month. There is a 20-day buffer period. After the bill is generated on the billing date, the arrears must be paid before the 25th, otherwise the application will be affected.

Can I get a loan for credit card arrears?

It depends on the loan amount, loan purpose and repayment plan. The bank will check your personal flow, personal assets and so on. Some even test your character. The emphasis of each bank is different, and some basic information between banks is interoperable.

The key is to have a clear plan for spending money and repayment. After all, the loan has to pay interest, so it is very important to get better income with this loan.

Loans are different from credit loans. If the property is pledged, other requirements will be much lower.

Generally speaking, as long as the bank's credit card is not overdue, if the credit card debt is relatively large, the bank will consider that the lender's repayment ability may not be too much, and there is no problem if it is a mortgage loan. The required information is as follows:

1. Credit loan:

Identity card, work certificate, company address, company phone number, salary flow, residence certificate, water and electricity invoice, withdrawal certificate, driving license, provident fund card and social security card are helpful to improve the comprehensive performance.

2. Mortgage loan:

ID card, household registration book, marriage certificate, income certificate, bank account, property certificate, land certificate (information provided by married couples).

Extended data:

Bank loans mainly look at the following two aspects:

1. Banks consider repayment ability.

Banks mainly examine your financial strength and repayment ability. As long as your credit card is used normally and there is no overdue and bad credit record, it will not affect your loan application. Banks will comprehensively consider whether to lend and how much to lend according to individual circumstances. But if every card in your hand is seriously overdrawn, then the bank will question your repayment ability.

2. My credit history

If the credit card is in arrears and has a bad credit record of overdue repayment, don't rush to cancel the card. Cancellation of bad credit records of credit cards will not be eliminated. It is suggested to pay off the arrears immediately to avoid interest. For large credit card bills that cannot be paid off at one time, installment repayment is relatively cost-effective, which can avoid overdue credit cards.