1. Can I get a loan if my credit card is overdue?

it depends on the degree of overdue. Don't worry too much if the overdue repayment is a discontinuous and infrequent accident.

according to the regulations of the central bank's credit information center, the retention period of bad records is 5 years. When handling credit business, many banks mainly refer to the credit status of the last 24 months to judge the individual's willingness and ability to repay. If the borrower has accumulated six or three consecutive overdue repayment records within two years, the bank will refuse to refinance.

The meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month and it has not been repaid for three consecutive months; And a total of six times, such as overdue once, returned, and overdue again, so it happened six times.

if the overdue credit card occurred five years ago, it will not affect the application for loan now;

If the overdue credit card occurred in the last five years, but there are no consecutive overdue repayments for three times or accumulated overdue repayments for six times within two years, the chances of successful application are still great, but the bank will appropriately raise the loan interest rate or reduce the loan amount.

if the repayment is overdue for three times in a row or six times in the past two years, it is already a serious overdue behavior. Under normal circumstances, the bank will not approve the loan application.

second, I have outstanding online loans. Can I apply for a loan?

Thank you for your invitation. First of all, it is concluded that there is no direct relationship between the availability of online loans and whether you can apply for bank loans. The reasons are as follows:

1. Not all online loans can be accessed by the People's Bank of China, that is to say, banks may not see them when checking the People's Bank of China's credit information, but handling bank loans mainly depends on the following aspects:

(1) personal qualifications, whether the work unit is allowed, punch card salary, the amount of provident fund and continuity.

(2) Credit information, including: whether it is overdue, the latest number of credit inquiries, and whether there are liabilities (credit, credit card, mortgage, mortgage loan)

2. Some banks not only check the PBOC's credit information, but also screen the big data system. Most online loans should not be reflected in the PBOC's credit information, but they should be recorded in the big data system. Therefore, if online loans are connected to the big data system, there may be some banks.

Based on the above two points, it is not necessary to guess whether you can apply for a loan here. The most direct way is to print a credit report at the credit report printing point in your city (you can

download the APP to enjoy it, with the latest credit report printing point in your city on it), and you can intuitively judge whether you can apply for a bank loan through the credit report.

In addition, taking advantage of this topic, I suggest that you should not apply for online loans just for convenience, but give priority to bank loans, mortgage loans with a large amount of funds (more than 2 million), credit loans with funds of 5-2 million, and capital requirements below 5,. In fact, credit cards can basically solve the problem.

third, can you get a loan if your credit card is not paid off?

Yes, as long as your credit card is not owed too much, the bank depends on your repayment ability and income proof.

Fourth, if one of the husband and wife has not paid off his credit card, can you get a loan to buy a house?

Many people who have not paid the provident fund or have opened accounts for less than 6 months or 12 months cannot apply for provident fund loans. If only one of the husband and wife has paid the provident fund, the husband and wife can apply for a provident fund loan to buy a marriage, so they can * * * the same as the main lender who applied for the provident fund, and at the same time issue the income limit of the two people. In the future, if the husband and wife used the provident fund loan limit of both husband and wife during their existence, they should settle the original loan before applying again.