Legal analysis:

If you cannot apply for a credit card, applying for a credit card also depends on your personal credit record. Overdue mobile phone loans have been reflected in the credit report.

But it is not absolute. If the overdue situation is not serious, not continuous, and the number of times is small, there is still hope.

1. For those with less severe circumstances and better qualifications, the bank will still consider approving the credit card. It depends on the situation. There will also be cases where the credit card will be rejected as long as it is overdue.

2. If the overdue situation is serious, the bank will directly reject it regardless of qualifications.

3. If there are overdue loans in the personal credit record in the past 2 years, and the number has reached 3 times in a row or 6 times in total, the borrower will usually be denied a loan or approval.

The so-called three consecutive overdue loans means that the loan repayment period of a fund is one month, but the borrower has not repaid the loan for three consecutive months.

The cumulative six non-repayments means that after a certain loan is overdue, the borrower repays the loan, then becomes overdue again, and then repays the loan again, so that the total number reaches six times.

Legal basis:

Article 6 of the "Bank Card Business Management Measures" Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Derived issues:

Overdue loans

Overdue loans are also called "overdue loans" or "overdue loans". Refers to the portion of the loan that has not yet been repaid within the repayment period stipulated in the contract. From the overdue date, transfer it to the overdue loan account, and indicate the words "Overdue Loan" at the beginning of the loan account. In order to urge loan units to repay overdue loans as soon as possible, 20% of the interest will be charged on the overdue portion. The national loan regulations stipulate that if the principal and interest cannot be repaid on time, the retained basic depreciation fund, enterprise fund or profit retained shall be used for repayment, and the cost shall not be included , occupying taxes or sitting on profits.