1. Can I apply for installment suspension if my credit card is overdue?

In theory, you can apply for payment stop installment after the credit card expires, which is often called payment stop account. However, the audit is relatively strict, and banks generally will not easily let users stop paying by installments. Unless there are objective reasons such as unemployment, bankruptcy and serious illness. And provide relevant supporting materials, which can improve the chances of negotiation.

It is better to take the initiative and try to negotiate with the bank as soon as possible. Explain your financial situation to the issuing bank, prove that the arrears really exceed the repayment level, and show a positive willingness to repay. Banks will make repayment plans according to the actual situation.

2. Can I make up the overdue credit card?

Credit cards are overdue for whatever reason, but once uploaded to the central bank's credit information system, they cannot be eliminated by themselves. However, although it will last for five years in theory, the overdue period is also very important. Having an overdue record does not mean that you must not apply for loans, credit cards, etc. If the time is short and the quantity is small, it will not affect.

At present, many lending institutions focus on the credit reports of the last two years, so everyone should pay attention to cultivating credit, use credit cards or loans to raise it, repay it on time every month, and never overdue it again. This will last for about 2 years, covering the previous bad record.

3. Can I borrow money to buy a house if my credit card is overdue?

Credit card overdue has a certain impact on mortgage, and the specific impact is related to the degree of overdue. If it has been a long time, more than 2 years, and the overdue time is not long, it is generally not a big problem. However, if the credit card is overdue for many times, resulting in poor personal credit information, then you must not apply for a provident fund loan.

However, you can also consider using a commercial loan. Just because of the bad credit records in the past, most banks may raise the loan interest rate by about 10% on the basis of the benchmark interest rate. If the overdue period is very serious, it is difficult to apply for a commercial loan.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.