1. Which is more serious, credit card or loan overdue?

I am sure that credit card overdue is more serious. If a credit card is overdue for a long time, it will incur liquidated damages, penalty interest and other fees, and it will also enter the central bank's credit blacklist. The bank will constantly call to demand payment, or even come to the door to demand payment. However, the demand is relatively mild. The bank has clear regulations that do not allow three If more than one person enters the user's home at the same time, they are not allowed to insult, let alone do anything, post notes, etc. Generally speaking, as long as the user can be contacted normally and does not fail to answer calls or send messages, the bank will not take the initiative to contact the family and friends of the debtor. Moreover, if the credit card is overdue and has a credit report, other banks will also consider blocking the card and reducing the credit limit, let alone applying for an online loan. To put it simply, if the loan and credit card debts belong to the bank, then both are very important. It is best if you can repay in full. If you cannot repay in full, priority will be given to state-owned banks, followed by city commercial banks, etc. Financial institutions, because the gold content of state-owned banks is relatively high, once it is overdue, it will be difficult to handle related business. If you borrow a private loan and it has no impact on your credit report, then give priority to repaying the credit card, because a ruined credit report will have a great impact on future business operations. 1. Can the credit card be repaid in installments if it is overdue for 2 years? After the credit card is overdue for 2 years, if the borrower wants to repay in installments, he or she can try to contact the staff of the card-issuing bank and negotiate with them for repayment in installments. If the bank agrees, the borrower can repay in installments. If you do not agree, you cannot repay in installments. Of course, for such payments that are overdue for two years, banks will generally not agree to the borrower's installment repayment unless the borrower can provide proof during the negotiation that he is not maliciously overdue and can provide proof that he is unable to repay due to force majeure factors. Only with evidence of repayment can the bank agree to the borrower's installment repayment. Credit cards have the function of installment repayment if they are not overdue. Users can directly apply for installment payment of credit card bills. This is a repayment method provided by banks to borrowers, which can not only alleviate the repayment pressure, but also avoid Overdue. If the user's credit card is overdue, this function cannot be used. If you want to repay in installments, you must negotiate with the bank to see if the bank agrees. Overdue credit cards have more negative consequences. Overdue interest will be calculated based on 0.05 from the day of overdue, and overdue fees will also be charged. If the overdue time is long, and the circumstances are serious, the credit card will be suspended and the cardholder will be issued a card. The bank has put them on a credit blacklist, and they are not allowed to make high purchases, leave the country at will, or buy real estate. Legal Basis "Interpretations of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or overdraws within the prescribed period for the purpose of illegal possession, and the card-issuing bank has twice If the money is not returned more than 3 months after collection, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever engages in credit card activities under one of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. A fine; if the amount is huge or there are other serious circumstances, the penalty shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than five years but not more than ten years, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; A fine of not less than RMB 50,000 but not more than RMB 500,000 or property confiscation may be imposed: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Using it fraudulently Others’ credit cards; (4) Malicious overdrafts.

2. Can I get a loan if my credit card is overdue and I have paid off the overdue balance for five years?

If the credit card is overdue for more than 5 years, if there is no other overdue credit and the credit is normal, you should be able to get a loan. According to the provisions of our country's credit management regulations, personal information records can be retained for up to 5 years, and this. This premise is that you must pay off all outstanding debts, including principal, penalty interest and other charges, and the credit card needs to be able to start calculating the 5-year period.

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1. For example, on May 1, 2017, the credit card was overdue for 5,000 yuan, and the payment was not repaid until June 1, 2018. Credit card 5,000 yuan and the resulting penalty interest and default or full payment are calculated from June 2, 2018 to June 1, 2023. Your bad credit, if your credit card expires from May 1, 2017 If you don't pay your bill, even the basic minimum payment, your bad credit investigation will always be there. There is no 5-year period. Even after 5 years, your bad credit investigation is still there.

2. So the first thing you need to make sure now is whether your credit card’s overdue credit record is really overdue? Specifically, you can log in to the central bank's personal credit reporting system and pull out the personal credit reporting report to view. Third, a loan is not just a credit reference, but will take into account all aspects of your situation. Different loan companies have different requirements for applicants. Applying for a loan isn't as simple as reading a credit check. Lending institutions will consider the following factors about you when approving a loan: Personal credit score. Currently, many loan six. That is, in the past two years, personal credit reporting should not be overdue for more than 6 personal bank transactions. Personal bank statements are important proof of the applicant’s income. At present, many lending institutions basically require applicants to have a monthly bank flow of more than 3,000 yuan, and some even have a bank flow of 0 yuan, which does not mean that your focused analysis can prove your income

3. At present, lending institutions The applicant's work capital requires the applicant to work continuously for 6 months in the current workplace to pay social security. If the job does not pay social security, the employer must approve it. After the credit card is overdue for five years and is settled, you can get a loan, but if the debt is still unpaid, the bank has the right to retroactively apply for five years or permanently. If there is any debt, please pay it back as soon as possible; the bad credit records in the blacklist will be entered into the personal credit system; the retroactive period is five years. After five years, the bad credit report must be clearly investigated and the list can be used to handle business normally; if the debt has not been paid off after the expiration of the retroactive period, the bank may overdue the card. If the debt can be paid off in time, most of the overdue records on the credit report will be It will be cleared by the system after five years, and overdue behavior five years ago will not have any adverse impact on your credit. Customers five years later who still haven't paid off their overdue credit cards five years later may remain in the credit investigation even though the video of the overdue behavior five years ago may remain in the credit investigation. When applying for a home loan, the bank is likely to review the customer's credit problems and refuse to approve the loan.

3. Credit card overdue and loan problems

It will definitely be considered bad after more than ten days, but if it is only this time, there should be no problem with the loan. At most, you may need to go to the bank where the credit card is located. Issue a certificate to prove that you did not owe the money maliciously. The impact should be small.