Choose the bank to which you want to apply. Can I apply for a credit card if I have debt?

Credit cards from different banks are generally acceptable.

Analysis:

Credit cards from different banks are generally acceptable. Even if there is a balance on the credit card, as long as the customer has no bad record with the bank, he or she can continue to apply for a credit card at another bank.

Notes on applying for a credit card:

Customers must not have a bad credit record in the bank; if a person with an excessive debt ratio applies for a state-owned bank credit card, they will generally be rejected, even if the card is issued. , the amount will not be very high. (Card friends who are looking for a limit can first reduce their debt before applying, so the limit will be much higher) It is recommended that you apply for a credit card from a local bank. Compared with state-owned banks, local banks have a higher tolerance for debt. As long as the debt does not exceed 70%, generally the card can be approved. 2. Cancel excess credit cards. Generally, the number of credit cards held does not exceed 5, but some friends who play card may hold dozens or even hundreds of credit cards. According to the regulations of the regulatory authorities, banks need to consider the applicant's total loan amount when issuing credit cards to avoid excessive credit granting. Too many cards shown on the personal credit report will make the bank think that your actual financial ability does not match your repayment ability, and there is a certain repayment risk. Remember to cancel some infrequently used credit cards appropriately and control the total loan amount and credit card amount within a reasonable range. 3. Provide proof of financial resources. For banks, a high debt ratio means that the applicant has a low ability to repay the loan. Generally, banks will not issue cards to such people in order to avoid non-repayment when due. If the applicant has too much debt, he or she can provide the bank with valid proof of financial resources, such as real estate, vehicles, salary slips and other information, to prove the individual's repayment ability. This can also increase the success rate of applying for the card. 4. Stop taking out small loans and other borrowing activities before applying for a card. If you plan to apply for a credit card, it is best not to apply for consumer loans and other businesses within six months before applying for the card, nor to apply for small loans from a loan company. Even if you apply for a loan with a loan company, the other party will also check your credit report. This inquiry will be displayed on your credit report and the bank can see it. If you apply for small loans frequently recently, not only will your credit report be ruined, but the bank will also think that you are in urgent need of money and have a high risk of default, and will refuse to issue a credit card. Is there any impact if a credit card is overdue for one day? Cardholders come and take a look. Credit cards can certainly help many people solve their urgent needs, but it is also common for some cardholders to overdue due to improper use of credit cards. So, is there any impact if a credit card is overdue for one day? Regarding this issue, cardholders should come and take a look! Consequences of Overdue Credit Cards Regarding the grace period of credit cards, the relevant regulations of each bank are different. Some banks have a 3-day grace period, while some banks do not. Therefore, there is no question whether there will be any impact on the credit card being overdue for one day. standard answer. For example: there is no grace period for credit cards, and the main impact of being one day overdue is overdue records, overdue interest, and bank text message collection. If your credit card has a grace period for repayment, the grace period is usually 1-3 days. At this time, there will be no impact if you are one day late. What to do if you encounter problems such as unpayable credit card debt, overdue interest, excessive interest, collection, etc. The editor of Hualv.com reminds you: It is recommended to leave professional problems to professionals to solve. If you encounter problems such as unpayable credit card debt, overdue debt, etc. When it comes to problems such as excessive interest rates and debt collection, use the right method. In just three steps, we will teach you how to stop pending debts, avoid lawsuits, and solve your overdue credit card problems! For specific solutions, please click the consultation button below to contact the credit and debt professional team to obtain the "solution".