Huabei is a kind of credit loan in Alipay, but due to some reasons, Huabei is overdue. So, can Huabei apply for a credit card if it is overdue? Let’s learn more below!

Can Huabei apply for a credit card if it is overdue?

After Huabei is overdue, if the overdue record is uploaded to the credit report, the user will not be able to apply for a credit card until the overdue record is deleted. If Huabei is overdue, and the overdue records are not included in the credit report, or are deleted after being included in the credit report, then the user can apply for a credit card. To apply for a credit card, users must have good credit. Users with poor credit cannot apply for a credit card. As for the user's application for a credit card, whether it can pass the review is subject to the results given by the bank, and manual intervention is not possible. When the user's credit qualifications are relatively good, the chance of passing the review will increase.

What are the consequences of not using Huabei for a long time?

1. Being called for payment: After Huabei is overdue, there will be continuous reminders such as text messages, phone calls, etc., and even It is very likely that the payment will come to the user's home and the user's family will be contacted;

2. Limited use: After the Huabei expires, the Huabei function will be directly restricted and cannot be used. Can it be resumed at irregular intervals after repayment? Comment;

3. Negative record: After the overdue date, the corresponding overdue negative record will be reported to Zhima Credit, affecting Zhima points, and will also be uploaded to the personal credit report;

4. Overdue interest: Overdue repayment will incur corresponding overdue fees;

5. Being sued: If Huabei fails to repay after three months overdue, you may be sued. If you still fail to repay after filing a lawsuit, the court will force repayment. You will also be asked to pay back the costs of litigation.