1. Can loans overdue still apply for a credit card?

According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted. When you handle new business, the relevant departments will generally give priority to recent consumption and repayment records.

If the application is for China Merchants Bank credit card, the application for credit card is comprehensively evaluated by the system, during which we refer to many factors, such as age, job stability, income, personal credit and so on.

second, can I still apply for a credit card after the online loan is overdue?

after the online loan is overdue, the overdue record is used for credit reporting, so the user can only apply for a credit card after the overdue record is deleted, and it usually takes five years or more to delete the overdue record. However, if the overdue record of online loans is not available, the bank will not find the overdue record of online loans of users. At this time, users can apply for credit cards normally without waiting.

therefore, it is very important for users to repay the loan on time if they apply for the online loan with credit information, otherwise the subsequent application for credit business will be affected.

In our credit information society, problems with credit information really have a great impact. Just like the online loans that were very popular in previous years, many friends have come into contact with them more or less. Some online loans are very unscrupulous, and all kinds of interest are cut off, which makes many people miserable. At first, we just wanted to borrow some money to alleviate the economic pressure. At that time, we were told that there were still high handling fees when we repaid, which made us very unacceptable and we had to leave the credit information alone. However, after a while, we found that we had to leave it alone.

In fact, we should not worry too much, because before, a large part of online loans were not used for credit reporting, and some formal online loans were used for credit reporting. Therefore, you can know clearly whether the online loans you borrowed are formal or not, and then go to the bank to check your credit reporting before you consider applying for a credit card. Online loan companies such as online loans with credit reporting are connected to the credit reporting system of the central bank, which is what we call credit reporting, and recorded in our credit reporting in the form of each loan.

This kind of record will directly affect our application for credit cards and other loans. However, our friends who already have credit cards should also pay attention. The bank will conduct post-loan management and inquire about our credit report. If we find that there are other overdue records, we will probably take measures to reduce the credit card or seal the card. In addition, such online loans will increase the debt ratio of cardholders. If the debt ratio is too high, it will also affect credit cards.

third, I have never applied for a credit card, and I am writing a letter to loans overdue. Can I get a credit card?

it is generally feasible. If it is overdue, it will be reflected in the credit record of the People's Bank of China. Credit records are all banks should refer to. As for overdue, as long as it does not exceed six months, the problem is not big. As for the mortgage, since you are mortgaged with real estate. So the loan is not very difficult. To put it bluntly, the bank has your house mortgaged. There is no risk at all. He doesn't have to worry about lending you money. But the preferential policies in real estate loans, such as a 3% interest rate. Banks are in their own interests and will basically get stuck here. No discount. There is definitely a problem, but it is not very big. If the mortgage is handled by the same bank, it will definitely affect the reputation, and the total amount of natural mortgage will be discounted. If the mortgage is handled by other banks, the impact will not be great. No matter if the credit card of any bank is overdue, it is recorded in the People's Bank of China, and all banks will refer to it when lending. Because this is a credit problem. As long as it is overdue for less than six months, there will be no problem. Moreover, there is a house as collateral. But the preferential policies in the real estate loan will have an impact. On the credit record, there are 24 columns corresponding to the credit card loan record. When the card cancellation record stops at that time, it will not disappear. After the next card is opened (if it can still be opened), it will automatically connect with the record that stopped last time. Therefore, if you want to make your credit information good, you can only keep a good record for 24 months after the overdue record occurs, so that the good record can push the tainted record out of these 24 columns. Otherwise, it will be blacklisted three times in a row or six times in two years. After being blacklisted, all the credit business of the bank will be missed. Also, the data of the credit information system is kept for 7 years, and banks can only view the last 2 years.

fourth, can I get a credit card after loans overdue?

loans overdue, can you?

if your loan is overdue only once or twice and has been paid off, it will not affect your handling

but if your loan is overdue for a long time, it will be recorded to handle the credit card.