You can get a loan to buy a car if your credit card is overdue, provided that the user’s credit card has no serious overdue behavior. If a credit card holder is on the credit blacklist because it is overdue for more than 90 days, he or she cannot apply for a loan to buy a car. Cardholders can only apply for a loan to buy a car after their bad credit history is eliminated. Generally speaking, after the cardholder is overdue, he must pay off the balance in full, then continue to use the credit card for consumption and repay the loan on time. The previous bad credit record will be automatically eliminated after 5 years.

If a cardholder wants to buy a car, he can only apply for a loan to buy a car after his bad credit record is eliminated. Overdue credit card records will not always be kept. After the cardholder pays off the balance in full after the overdue date, and continues to use the credit card for consumption, he can repay on time. Then after 5 years, the previous bad credit record will be automatically eliminated.

What are the serious situations where a credit card has been overdue? 3 consecutive overdue payments and a total of 6 overdue payments; monthly mortgage payments are overdue or not repaid for 2 to 3 months in total. Then, the monthly car loan payment is overdue for 2 to 3 months, or the payment is not repaid; finally, there is cashing out of personal credit cards, and student loan arrears and non-repayment, etc. If any of the above situations occurs, it will It will lead to a bad personal credit record of the borrower. In serious cases, it will be entered into the bank's "blacklist", so that you will not be able to buy a car.

What needs to be clear is that loans have three principles, namely safety, liquidity and efficiency.