1. If the number of overdue credit cards exceeds how many times, can I apply for a loan?

When most banks handle loan business, personal credit record is an important reference indicator, but they will not "beat the user to death" just because a credit card is overdue and does not repay.

When banks evaluate loan applicants, in addition to evaluating the repayment ability and loan purpose, banks will certainly focus on evaluating the applicant's personal credit. However, each bank has different standards for "how many times the loan is overdue".

Generally speaking, if the total number of overdue items reflected in the credit report does not exceed 6 times, and the overdue items do not exceed 3 times in the past year, the bank will consider that there are no serious problems with the credit record. If the applicant has no loan overdue record and only has one or two overdue credit cards, such a credit report will not have a serious impact.

However, if it is currently overdue, that is, a credit card happens to be overdue when applying for a loan, even if the credit was very good before, the current overdue impact on the loan application will be very serious, and it is usually impossible to obtain a loan.

It can be seen from the above that if a credit card is overdue, it does not necessarily mean that you cannot get a loan. As long as the borrower has good repayment ability and the number of overdue loans does not exceed the bank's standards, you can still get a loan. Therefore, if you want to get a smooth loan, you must pay attention to your credit, use your cards carefully, and develop good card usage habits.

: The number of overdue periods on a credit card can be divided into three situations: the current number of overdue periods, the cumulative number of overdue periods and the highest number of overdue periods, as follows:

1. The number of overdue periods in the current period: refers to The current number of times the minimum repayment has not been paid in a row. For example, if the cardholder has not repaid for 3 consecutive months, or the repayment amount for 3 months is lower than the minimum repayment, then the current number of periods is 3 times;

2. Cumulative overdue times: Each time the cardholder is overdue, it will be accumulated once. For example, if the cardholder is overdue in the first month, repays on time in the second month, and overdue again in the third month, then the number of overdue payments is 2.

3. Maximum number of overdues: the historical maximum number of current overdues. For example, if the cardholder’s current maximum number of overdues from January to October is 5, then the maximum number of overdues will be 5.

2. Can I apply for a credit card if I have a loan that is not overdue?

As long as your personal credit report has no overdue records. If you have a stable job and a steady flow of wages, you just need to go to the bank with your ID card to apply for a credit card and go through the application procedures. You should be able to get it done. Or you can also apply for a credit card online, as long as your personal credit report has no overdue records. If you have a stable job and income, fill in the information and upload the required materials when applying for a credit card. It will be approved and sent to you soon

3. Can I apply for a credit card if I have a loan and is not overdue?

Yes

4. Can I apply for a credit card if I have an online loan?

Yes, you can apply for a credit card even if you have an online loan that has not been paid off. But you need to make sure that your personal credit record is good and there are no late repayments. Credit card application has little to do with online loans. As long as you have a stable job and a stable income, and if your job buys you five insurances and one housing fund, it will be easy for you to apply for a credit card. But if you have an unstable job and do not have stable repayment ability, even if you apply for a credit card, there is a high probability that it will not be approved.

How to apply for a credit card?

There are different ways to apply for a credit card, and there are different steps according to different ways. The details are as follows:

1. Online application: I bring my original identity certificate and a copy of my work certificate. Please go to a nearby bank branch to apply with supporting documents such as documents and copies of financial certificates.

2. WeChat application: You can follow the WeChat official account of the bank where you want to apply for a credit card, and then you can see "I want to apply for a card" in the bottom column. Click and select the card type you want to apply for, and then follow the Just prompt to fill in the information.

3. Online application: Log in to the official website of the bank's Credit Card Center, select "Apply for a Credit Card", then click "New Customer Application", select your favorite card type and type, and follow the prompts.

4. Telephone application: Call the bank's credit card center customer service hotline, then press "3" to apply for credit card consultation, select "1" to turn to the service specialist for registration (different banks may be different , just follow the voice prompts), and then notify the local staff to contact you to submit the information and wait for review.