1, influential. Overdue credit information does not mean that loans cannot be made. Generally, the loan will not be affected if it is overdue for less than three times, because each bank will have its own evaluation standard, and if it is overdue for three times, it will not reach the standard of not lending. However, if the cumulative number of times is too much, the situation is not optimistic, and it will be more difficult to apply for a loan.
2. Although the occasional overdue loan will not affect the loan, you should pay attention to the repayment of the principal and interest of the credit card in the future, otherwise the bad record of overdue will always exist. According to the general principles of civil law and contract law, banks and cardholders are equal civil subjects. The individual established a contractual relationship with the bank by applying for a credit card. If the cardholder fails to repay the overdraft within the time limit, he shall be liable for breach of contract.
3. The consequences of overdue credit cards are terrible, but not everyone will be pulled into the "bank blacklist", and the overdue amount, overdue time and current status will also be divided. Most credit cards are overdue in paying their annual fees. Some old cards that have been idle for a long time have been forgotten, and a fixed annual fee will be generated every year. As the amount is relatively small, as long as it is returned in time, it will not have much impact.
Extended data
In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.
Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Risk of being overdue: failure to repay in full and on time, overdue for more than three months, may be counted as malicious overdue, may be overdue. Although the amount is generally not high and the circumstances are not too serious, everyone should be careful.