Can I apply for a credit card (debit card) if I apply for an online loan too frequently and get rejected immediately without overdue payment?

Users frequently apply for online loans. Although there are no overdue records, there are a large number of loan approval records stored in the credit report. Even online lending institutions reject users' loan applications instantly. Bank credit card (debit card) approval is more stringent than online loans. After the user submits a credit card (debit card) application, the user's application will also be rejected. Too many credit inquiry records will cause the credit report to be ruined. After the credit report is ruined, it will be difficult to apply for a credit loan business.

For users, be sure not to apply for loans too frequently. This will have an adverse impact on your credit report even if there is no overdue record. Will being rejected for online loans multiple times affect your credit report or credit card application?

Being rejected multiple times for online loans will not affect your credit report or credit card application. It will only affect your credit report or credit card application if it is overdue. It will be recorded in the bad credit record. Applicants need to be reviewed for credit card applications, and applicants who are not qualified in terms of assets and other aspects will not pass the review.

According to Article 43 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", customers who apply for our bank's credit cards for the first time are not allowed to use the full system automatic card issuance method to issue credit cards. Credit card applicants should be subject to strict review and strengthen risk prevention and control when they have the following circumstances:

(1) Leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit reporting system;

(3) There are bad records in the credit reporting system;

(4) There are multiple banks in the credit reporting system Loan or credit card credit records;

(5) Business travel cards and business purchase cards issued by the unit;

(6) Risk information obtained through other channels.

Extended information:

Article 50 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The card-issuing bank shall establish a credit card credit management system, based on the cardholder's credit status, card usage and The risk information dynamically manages the credit limit of the credit card and promptly notifies the cardholder according to the agreed method. If necessary, the cardholder can be required to confirm the second source of repayment or provide guarantee.

The card-issuing bank shall consolidate and manage the credit limits of multiple credit card accounts in the name of the cardholder, the overall credit limit for installment payments, the credit limit for additional cards, the credit limit for cash withdrawals, etc., and set an upper limit for the total credit limit. The cash withdrawal credit limit of a business purchasing card should be set to zero.

Baidu Encyclopedia - Measures for Supervision and Administration of Credit Card Business of Commercial Banks. If loan approval is rejected, will it have any impact on credit card application?

Rejection of a bank loan will have a negative impact on future loan and credit card business.

When applying for a bank loan, the bank will check the borrower's credit report, but only the inquiry record is left, but there is no loan record, indicating that the loan application has been rejected. When the user applies for a loan or credit card later, the second bank will consider it risky to lend money to the user and therefore reject the user's application.

If you were rejected for a bank loan last time, it is best to wait for a while before applying for a loan or credit card.

Basic conditions for bank loans:

1. Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, be under 65 years old (inclusive), and have full civil conduct capable Chinese citizens.

2. Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.

3. Have a good credit record and willingness to repay, and no bad credit record.

4. Be able to provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear purpose for the loan, and the purpose of the loan complies with relevant regulations.

6. Other conditions specified by the bank.

Loan Notes:

1. Do not use provident funds before applying for a loan. If the borrower withdraws the provident fund balance before the loan is used to pay for the house, the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means that you will not be able to apply for a provident fund loan. .

2. Do not repay in advance within the first year of borrowing. According to the relevant provisions of provident fund loans, partial early repayment should be made after one year of loan repayment, and the amount you repay should exceed 6 months' repayment amount.

3. Don’t lose the loan contract and IOU. When applying for a mortgage loan, the loan contract and IOU signed between the bank and you are important legal documents. Since the loan term can be up to 30 years, as a borrower, you should keep your contract and IOU properly.

4. If you have difficulty repaying your loan, don’t forget to find a bank near you. When your repayment ability decreases during the loan period and you have difficulty repaying the loan, don't hold on to yourself. ICBC customers can apply to ICBC to extend the loan period. If it is found true after the bank's investigation and the loan principal and interest are not in arrears, ICBC will accept your application to extend the loan period.

5. Don’t forget to notify your obligation when renting a house after taking a loan. When you rent out a mortgaged property during the loan period, you must notify the tenant in writing of the fact that it is mortgaged.

6. Don’t forget to cancel the mortgage after the loan is paid off. After you have paid off all the loan principal and interest, you can go to the real estate transaction center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other certificates of real estate rights of the mortgaged property.

Generally, banks will finally resort to filing lawsuits after many failed collections. In fact, loan applicants should not feel aggrieved. After all, banks are not charities and will not Because the lender may not repay the loan if it encounters some major changes, so before applying for a bank loan, you must be thorough in all aspects. My online loan is overdue, can I still apply for a credit card?

My online loan is overdue, can I apply for a credit card? Of course, the principle of online loans does not affect the application for credit cards. First of all, whether it is an offline loan or an online loan under your personal name, in principle, it will not affect the application of credit cards. Online loans are also divided into those with high credit scores and those without. There are two types of online loans that are subject to credit reporting. If your loan is not subject to credit reporting, it will not affect your credit card application.

When applying for a credit card, you mainly look at these aspects, personal credit report, personal qualifications, personal assets, and debt ratio.

Personal credit report: Generally, as long as the personal credit report is not overdue for more than the number of times specified by the bank, each bank requires different times. There is no unified number of times. Some people say 3 times, and some people say 3 times. times, and later I saw someone who was overdue almost 10 times and got a credit card, so the number of overdues is not certain, it mainly depends on the bank.

Personal qualifications: This includes a lot of information, including personal age, gender, place of origin, household registration, education, work, and even behavioral habits, bank statements, etc., which all belong to the qualification assessment. The specifics will not be discussed in detail here.

Personal assets: This is very important. Personal assets mainly refer to real estate such as houses and cars. Of course, whether real estate and cars are mortgaged or not has little impact. But if it is the full amount, it will definitely help with the credit card approval limit. In short, as long as you have personal assets, it will be much easier to apply for a credit card.

Debt ratio: What should I say here? This is something that I haven’t really understood yet, which is whether the debt ratio has any impact on the approval of credit cards, or how big the impact is? When talking about debt ratio, we have to talk about online loans. Whether it is a loan from an offline bank or financial company or a loan from an online platform. They are all personal liabilities and will also be included in the personal debt ratio. Of course, this must mainly refer to those who have passed the credit report, otherwise the bank would not be able to investigate. If banks take this into consideration when approving credit cards, we cannot say that online loans have no impact on credit card approvals. If there are too many online loans in one's name, the amount is too large, and one's income has affected the repayment ability, then the credit card will definitely not be approved.

So, it can also be said that online loans will not directly affect the processing of credit cards. However, if the online loan amount is too large, when the bank considers your personal repayment ability, it will definitely have a certain impact on the approval of the card and the limit.