Credit card bad debts cannot be used. If you need a useful card, you can only get rid of the bad debts first, and then apply for a new credit card, preferably one from another bank. However, it is not recommended to apply for a card just after handling bad debts. It's best to wait for a while first. Next, let's take a look.
1. How to deal with bad credit cards?
According to the nature of bad debts, the treatment methods are different.
1) If it is an overpayment of bad debts, after the money exceeding the credit card limit is withdrawn, the bank can modify the credit information to eliminate bad debts and restore credit within 20 days at the earliest;
2) If it is overdue, you should pay off the money owed to the bank first, and then contact the bank to deal with bad debts. The bank will report the cardholder's repayment to the central bank for credit information, and modify the bad debts as overdue, which can only be eliminated after 5 years.
2. How soon can I get another bank credit card?
It's best to wait for more than a month. After all, it takes time to update the credit report. Applicants must confirm that the bad debt record on the credit report has been revised before applying for credit cards from other banks. It is best to find some banks with low thresholds to handle cards.
After receiving the submitted application, the bank will comprehensively evaluate the applicant's income, personal credit, years and work. If the applicant is found to have overdue records, the card can also be refused. To this end, it is suggested that cardholders carry financial proof materials such as automobile production and real estate with them, and go directly to the bank outlets to apply for cards, so as to improve the card issuance rate.
In short, after the credit card bad debts are handled, it is necessary to confirm that there are no bad debts in the credit report before going to the card, so that the success rate of card handling will be slightly higher.
Can I still apply for ICBC's universal card if I have bad debts?
There are bad debts of ICBC, which will have a great influence on the ordinary card you want to apply for. If it is not a special case, it is generally impossible to apply.
And even if you have an ordinary ICBC card, it will still be frozen, and the bank will give priority to the money in your bank card account.
In this case, if you want to apply for an ordinary ICBC card, you must solve the problem of bad debts, that is, cancel the bad account. Here are some solutions for you:
1. If the credit card cancellation method is "bad debt write-off", you can check the exact amount at the card issuing institution with your own card and certificate, and make a deposit or transfer repayment at any business outlet in different places through the original cancellation card number.
2. When the credit card cancellation method is "bad debts transferred to temporary account", you can check whether there is any cash deposit to be withdrawn from the card issuer with your card and certificate.
3. Users need to pay off all the bad debts first if they want to eliminate the bad debt records of ICBC. After the bad debts are paid off, the bad debt records will be kept in the credit information for 5 years from the date of payment, and will be automatically eliminated by the credit information system after 5 years. In other words, the user's credit information can return to normal after 5 years.
If the outstanding bad debts are not settled, the record of bad debts will remain in the credit information, which will directly form a credit information stain, resulting in subsequent users being unable to handle any credit business.
I have a friend who paid off his bad debts for five years last June 165438+ 10. I'll tell you some of his suggestions: real consumption arrears like this must be paid off. If it has become a bad debt, it is necessary to cancel the account and let the bank report the latest status, that is, the account cancellation status. If the bank is perfunctory or delays reporting, it will apply for objection verification. In any case, Xinbao can't have bad debts. If it is bad debts caused by annual fees, it will be very easy to handle. 400 customer service can handle it. They don't have to talk nonsense to the outsourcing customer service who answers the phone. They don't know anything, so they can directly transfer her to the customer service specialist. Bad debts of annual fees can be cancelled directly, and expectations will not be displayed.
These are the answers to my questions and the solutions to bad debts. I hope I can help you.
There are bad debts in the credit report. Can I apply for a credit card from another bank?
There are bad debts in the credit report, so you can't apply for another bank's credit card, and the bank will definitely not approve it. Bad debts refer to accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts. Bad debts are the result of not being settled in time, and also refer to the property that cannot be recovered because the other party does not return it.
There are bad debts in the credit report, that is, a sum of money has been borrowed from the bank and has not been paid back. The loan cannot be recovered after it is recovered by the bank. To apply for a credit card, the bank must first look at the credit information. Although the personal credit record is kept for 5 years, it will be cleared after 5 years, but for those who have not paid off, the record will always exist and will not be cleared, that is, it will be cleared after paying off the loan for 5 years.
Tip: Banks still have the right to demand payment of bad debts.
Extended data:
Credit stain, also known as bad credit record. It belongs to the restricted category of personal credit records. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, that is, credit stain.
Different banks have different approval standards for personal credit records. With the change of time, consumers' economic situation and repayment situation will also change, and banks will not always pay attention to consumers' early bad credit records.
On 20 12 1 1.2, the central bank confirmed that the new version of personal credit report had been launched, and credit cards and loans overdue before 2009 10 were no longer displayed, and overdue records were kept for five years thereafter, which meant that citizens' negative overdue records were no longer accompanied by their lives. If they can repay in full and on time within five years, their credit will be cleared.
processing method
After each loan or credit card is issued, each commercial bank shall submit the borrower's repayment record to the credit information system in the format specified by the central bank every month, and form a personal credit report on this basis.
The Credit Information Center of the People's Bank of China has filed all the collected repayment information. The Regulation on Credit Information Management (Draft for Comment) published by the State Council Legislative Affairs Office in July, 201/2000 stipulates that the retention period of personal bad information collected by credit information agencies is 5 years, counting from the date of termination of bad behavior or events; If it has been more than 5 years, the credit reporting agency shall be deleted.
Some update mechanisms show that if a customer repays on time every month from now on, the bank will re-evaluate his credit status after a period of time, and the key is to actively maintain his credit record.