We all know that once the credit is overdue, it will have an impact on the credit report. Once there is a problem with the credit report, it will affect the loan and even other things. So, can I still get a loan if the credit card is overdue?

You can get a loan if your credit card is overdue

① Mild overdue, it is not a malicious overdue or the cardholder has paid off the debt

② Seriously overdue, if you have contacted the overdue or overdue credit card It has been accumulated 3 times or more than 6 times. This situation is very serious. Generally, banks will review your credit report based on your credit record within two years. Now the new policy is online for five years of credit review

③ Banks will not approve loans to customers with malicious overdue payments. Cardholders can only wait for the Central Bank's Credit Information Center to clear their bad credit records after 5 years, and maintain a good credit record during these 5 years. Only then can you apply for a loan again

Overdue credit card loan

In fact, if your credit card is overdue, as long as it is not too serious, the bank will usually give you a loan. The bank will make the loan based on the degree of overdue credit card holder. Judgment, if the bank does not agree to the loan, you can apply for a mortgage loan or a guarantor loan.