1. It has an impact. A late credit report does not mean that you cannot get a loan. Generally, being overdue for three times or less will not have an impact on the loan, because each bank will have its own criteria. Three times overdue will not reach the standard of not being allowed to lend. However, if there are too many times, the situation is not optimistic and you want to apply for a loan. It will be more difficult.

2. Although occasional overdue payments will not affect the loan, you should pay attention to the expectation that you will repay the principal and interest of the credit card later, otherwise the bad record of overdue loans will always exist. According to the provisions of the General Principles of Civil Law and the Contract Law, banks and cardholders are equal civil subjects. An individual establishes a contractual relationship with the bank by applying for a credit card from the bank. If the cardholder fails to repay the overdraft overdue, he shall be liable for breach of contract.

3. The consequences of overdue credit cards are terrible, but not everyone will be included in the "bank blacklist". It also depends on the size of the overdue amount, the length of the overdue time and the current status. Most overdue credit cards have annual fees. Some old cards that have been idle for a long time and forget to use them will incur a fixed annual fee every year. Since the amount is relatively small, it will not have much impact as long as you pay it off in time.

Extended information

In practice, some commercial banks do not conduct due diligence, and the relevant loan review personnel often only pay attention to the identification of documents and lack due diligence. In this way, it is difficult to Identifying fraud in a loan can easily create credit risk.

Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or allowing professionals to make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.

Face the risk of being sued: If you do not repay in full and on time, and are more than three months overdue, it may be regarded as malicious overdue, and you may be prosecuted. Although the amount is generally not high and the circumstances are not too serious, everyone should still be careful.

Baidu Encyclopedia-Credit Card Collection