1. Can I still apply for a credit card or loan if I have an overdue record?

It depends on the seriousness of the overdue payment. Occasionally overdue for a short period of time will have no impact. According to the regulations of most banks, if a borrower has been overdue three times in a row or a total of six times in the past two years, he will not be able to get a loan; if the borrower's overdue situation is not very serious, the bank will consider lending to him as appropriate.

Solutions to overdue credit cards:

1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, during the final repayment period Before arriving, cardholders are advised to proactively call the bank's credit card center to state their financial situation, affirm that they do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence, you must repay as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system.

2. Can I apply for a loan if my credit card is overdue?

Look at the overdue situation and evaluate it with the lending institution;

Overdue credit card repayments will be penalized

1. Late payment fees for credit cards. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay on the due date (including low repayment amount).

2. Overdue interest. User use After a credit card overdraft, there is generally an interest-free repayment period of 2 years. If the cardholder repays overdue, the cardholder will apply for the bank's interest-free treatment, and the recurring daily interest rate is as high as 0.5%, that is, the annual interest rate reaches

3. Bad credit records. The overdue credit card system generates bad credit records. Our country’s personal credit records have been networked nationwide. Loans, credit cards, or other records can be checked at any domestic commercial bank. Credit report.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit. The litigation costs will be borne by the cardholder. p>

5. Criminal liability for malicious overdrafts. According to Article 196 of my country’s Criminal Law and relevant judicial interpretations, malicious overdrafts refer to cardholders who illegally occupy overdrafts within the specified period and fail to collect the charges even after being called upon by the card issuer. The act of returning. If the amount is larger than the credit card amount, criminal charges will be imposed and a fine of not less than 20,000 yuan but not more than 200,000 yuan will be imposed.

3. If the credit card is overdue, you can apply for a loan.

1. If the credit card is overdue for more than six times in two years, you cannot apply for a provident fund loan. If the personal credit card is overdue for three consecutive months, or if the loan is overdue for more than six times in two years, you cannot apply for it. When applying for a provident fund loan, banks or provident funds currently mainly rely on the borrower’s credit record in the past two years when handling credit business. Therefore, cardholders who plan to apply for a provident fund loan to buy a house should not use credit cards easily, and must ensure that they repay on time. payment.

2. If the personal credit report is bad, the commercial loan interest rate will be raised. If some people who want to get a loan to buy a house have had many overdue credit cards, resulting in a bad personal credit report. Then you definitely cannot apply for a provident fund loan, and you can consider using a commercial loan. However, due to the impact of past bad credit records, most banks will increase the base interest rate by a minimum of 10%. Of course, if your overdue payments are serious and too frequent, the bank will not approve your loan application.

4. Can I apply for a bank loan if my credit card is overdue?

No. .