If a credit card (debit card) is owed, as long as the application conditions for decoration loan are met, users can apply for decoration loan. The user's credit card (debit card) is in arrears. As long as there is no overdue record, the arrears of the credit card (credit card) will not affect the user's subsequent application for other loans. Of course, whether the user can pass the examination of the decoration loan depends on the final result.

users must pay attention to repayment on time when repaying credit cards (debit cards). As long as they repay on time, subsequent loan applications will not be affected. Can the decoration loan credit card be approved if there is arrears? After reading it, it is clear that

many people buy houses with loans and have no money to decorate them, so they will apply for renovation loans from banks, but they have credit card debts under their names that have not been paid off, fearing that the approval of renovation loans will be affected. Then, can the decoration loan credit card be approved if there is arrears? Here is an introduction for everyone, and those who have similar questions can understand.

can I approve the credit card for decoration loan? Borrowers who owe money on their credit cards can approve renovation loans, but it depends on the amount owed. After all, for banks, if borrowers owe too much money and the debt ratio is too high, there is a great risk of lending. It is easy to overdue loans to such people, and banks will increase the bad debt rate if they can't recover the money. Therefore, it is suggested that the borrower should check his personal credit information before handling the decoration loan to see if the debt ratio, including credit card debt, has reached 5% of his income. If so, he should be cautious in lending, and he has sufficient funds in his hand. It is best to pay off the credit card debt before handling the decoration loan. Note that if the credit card is in arrears and overdue, even if the borrower pays off the arrears, it will still not be able to apply for a decoration loan in a short period of time, because the overdue records will be eliminated after five years, especially if it is overdue for three consecutive years within two years, the borrower will have to keep a credit report for at least two years before he can make a loan for decoration. By the way, if the borrower owes less credit cards, but there are loans from multiple credit cards, it will involve multi-head credit granting, which will also affect the approval of decoration loans. After the borrower pays off the credit cards with small debts, he can consider canceling some useless credit cards, reducing the credit of credit cards and then applying for decoration loans. The above is the introduction of "Can I approve the credit card for decoration loan?" I hope it will help everyone. Can I apply for a decoration loan for credit card (debit card) arrears?

Credit card (debit card) arrears can be applied for decoration loan, but the status of credit card (debit card) cannot be overdue at present, or it has been overdue for three consecutive times or accumulated for six times in two years, and the decoration loan will be rejected because the credit fails. In addition, all the debts including credit cards (debit cards) in the credit information should not be too high, which are the personal liabilities of the applicant. If the debt is high, the loan risk will be high, which will increase the difficulty of applying for decoration loans. In short, the use of credit cards (debit cards) will affect the application for decoration loans, so you should consider it carefully before handling it. Can I still get a decoration loan if I owe my credit card? Why was it rejected

Major banks have launched renovation loans for mortgage customers, and many people can apply for renovation if they have no money after buying a house. Of course, after the decoration loan application, it must be approved by the bank before lending. Many people are worried about being rejected by the bank if they owe money on their credit cards. So, can I still get a decoration loan if I owe my credit card? Let's take a look at it.

can I get a decoration loan if I owe my credit card? Decoration loans do not rigidly require borrowers not to be in debt, so they can also apply for decoration loans if they owe credit cards. However, credit card records can be found in decoration loans, so it is still necessary to analyze them in combination with credit card arrears and repayment. 1. If the credit card is overdue, the personal credit of the lender will become worse and the circumstances will be more serious. For example, the credit reporting black households with bad debts and compensation records will be difficult to repair the credit reporting in a short period of time, and the lender will not be able to handle the decoration loan. 2. There are many credit card debts, especially those with tens of thousands or even hundreds of thousands of credit cards in large installments, which will seriously distract the lender's repayment ability and lead the lender to be on the bank's list of high-risk customers. It is also difficult to decorate the loan without paying back the credit card debts. However, if the credit card debt is not overdue and the money owed is not much, the reason why the decoration loan can't be done may not be the credit card, but other problems. 1. The information provided is not sufficient: there are credit loans and mortgage loans for decoration loans, but all of them must go to the bank to provide sufficient information, besides the lender's valid ID card, there must also be renovation contract, income certificate, work certificate, etc. The bank should provide whatever it requires, and ensure that the information is true and effective. 2. The house bought does not meet the requirements: most renovation loans are only for new houses. For example, if you buy a second-hand house, you may not give a renovation loan because the house does not meet the requirements. The above is the introduction of "Can I still get a decoration loan if I owe a credit card?" I hope it will help everyone.