Subject to availability.

According to the query on Hualu.com, if the overdue situation is not serious, for example, the overdue time is short and the overdue amount is relatively small, some lending institutions will require no overdue records within six months before the loan can be loaned, but this is subject to Due to the impact of overdue credit reporting, loan approval and quota may be limited. If the overdue behavior is serious, such as more than 90 days of overdue, more than 3 consecutive overdues within two years, more than 6 cumulative overdues, etc., it will be difficult to apply for a loan from a regular platform in the short term, and you will have to wait for five years before you can continue the loan. , details vary according to different lending institutions.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date. In July 2022, the China Banking and Insurance Regulatory Commission and the People's Bank of China issued the "Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business", which proposed 31 "must not", 1 "strictly prohibited" and 74 "should". The number of cards issued and the number of customers will be used as assessment indicators, and the proportion of sleep credit cards shall not exceed 20%, etc. to comprehensively strengthen the supervision of credit card business. The "Notice" has had a significant and far-reaching impact on the development of the credit card business, pushing the credit card business from the extensive development stage of "racing for land" to a professional, sophisticated and high-quality development stage.