Specifically, how long the credit card is overdue can't be loaned mainly depends on the following points:
1. Severity of overdue records: the bank will decide whether to issue loans according to the severity of overdue conditions. If the overdue record is serious, such as multiple overdue, long overdue time or large overdue amount, the loan will be more difficult.
2. Length of overdue time: Although there is no specific time limit, credit cards with long overdue time will have a greater negative impact on personal credit records. Under normal circumstances, a credit card overdue for more than 3 months will be considered serious, which may cause great obstacles to the loan.
3. Overall performance of credit records: In addition to overdue records, banks will also comprehensively consider other credit records of applicants, such as repayment records and loan records. If the overall credit record is relatively good, even if a certain degree of credit card is overdue, it is still possible to get a loan.
To sum up, overdue credit cards will have a certain impact on loans. Generally speaking, the longer the overdue period, the more serious the situation, and the more difficult it will be to get a loan. Therefore, timely repayment of credit card bills is an important way to maintain personal credit records and improve the success rate of loan applications.
Extended data:
Personal credit records are managed by the central bank's credit information center, and banks and financial institutions will submit customer credit information to the center. Therefore, overdue records will be recorded in time, which will have an impact on subsequent loan applications. Relevant laws and regulations stipulate the principles of collection, use and protection of credit information, aiming at protecting personal privacy and maintaining the order of financial markets. Banks will evaluate whether to issue loans according to the personal credit report provided by the central bank's credit information center. Individuals with good credit records will be more likely to get loan approval.
In short, the longer the credit card is overdue, the more difficult it is to get a loan. Banks will comprehensively consider the severity of overdue records, the length of overdue records and the performance of overall credit records to evaluate whether to issue loans. Therefore, timely repayment of credit card bills is an important measure to maintain personal credit records and improve the success rate of loan applications.
(The above answers are for reference, and the details are still subject to the requirements of banks and specific loan products. )