Loans are available. \x0d\ There are many types of loans, such as credit loans, mortgage loans, pledge loans, provident fund loans, etc. \x0d\ If it is a credit loan, provident fund loan, etc.: If the previous credit card is overdue for more than 90 days, and the overdue credit has been kept good recently after being paid off, it will not affect the loan; the previous credit card is overdue for more than 90 days, even if it is paid off It will also affect credit loans. You can only maintain a good credit record. Credit loans and provident fund loans will be available after 5 years. \x0d\ If you want mortgage loans, pledge loans, etc., as long as the credit card is not maliciously overdue and the overdue credit card has been paid off, the overdue credit card will not have a big impact on the mortgage and pledge loans, and you can proceed as normal. Mortgage program loan.