You can get a loan if your credit card is overdue, but it should be judged based on the degree of overdue.

1. If your credit card is overdue three times, it means it is overdue continuously, and it has not been repaid for more than three months. It is a serious overdue situation and the loan will be directly rejected.

2. If the credit card overdue period is intermittent, and the intermittent overdue period adds up to 3 times, as long as it does not accumulate 6 times, you can get a loan if you pay it off before the loan. As for whether it can be passed, it will be based on the comprehensive evaluation results of the system. shall prevail.

Overdue credit cards will be recorded on your credit report. When you apply for a loan, the bank will know this situation as soon as it checks your credit report. Therefore, many people think that if their credit card is overdue, they will not be able to get a loan. In fact, you can still apply for a loan after your credit card is overdue, but the approval rate will be lower. An overdue credit card does not mean that the loan has failed. When applying for a loan, you can check your credit first. It may not be as bad as you think.

Overdue classification Now our banks have very detailed management of overdue. Through data such as the number of consecutive overdues, the cumulative number of overdues, and the number of overdue days, we can well classify the severity of user overdues, thereby distinguishing There are slight overdue and serious overdue. The impact of being overdue for 5 days is definitely smaller than being overdue for half a year. The success rate of loan applications that are occasionally overdue is higher than that of frequently overdue loans. Only serious overdue payments will directly affect loan approval.

There is a certain relationship between overdue credit cards and loans, but there is no direct connection. It is not that overdue credit cards cause overdue loans, but that overdue credit cards cause poor credit. Loans will not be granted due to poor financial status and poor integrity. However, banks will take into account many factors when granting loans, such as personal qualifications, houses and cars in the name, income, bank policies, etc., not just overdue situations.

As long as it is a private loan company that meets the requirements, it can provide a certain amount of loans, so black households can also apply successfully. However, there are too many private loan pitfalls, and it is easy to encounter loan sharks and routine loans. If you fail to borrow the money, you will go bankrupt, and you will easily encounter violent debt collection if it is overdue, which will have a great impact on your daily life. Therefore, when choosing a lending institution, everyone must choose a regular lending institution. The right way is to improve your personal credit as soon as possible.

: The bank stipulates that those who have overdue personal credit reports can no longer get loans from the bank.

Bank credit requirements for borrowers:

1. There must be no overdue credit.

2. There cannot be two overdue payments in the past six months.

3. You cannot apply for three consecutive loans within two years, otherwise it will be difficult to get a loan.