Can I get a loan if my credit card is in arrears?
Not necessarily.
case 1: the credit card is in arrears but not overdue
if this is the case, the cardholder usually uses installment payment or only pays the minimum repayment amount, resulting in credit card arrears, but not causing credit card overdue. In this case, it is ok for credit card holders to refinance, but the impact is that the approved money will be reduced.
case 2: the credit card is in arrears and causes overdue
if this is the case, and the overdue record is caused by the non-repayment, then the credit card holder wants to make a loan again, which is a bit crazy. At present, as long as there are three consecutive and accumulated six overdue records in the last two years, banks will not give you loans, or reduce your loan amount and raise your interest rate standard.
credit card repayment method
within the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.
Micro-banking POS mobile phone Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!
repayment by transfer/remittance is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.
The common online platforms for online repayment in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.
Convenience Store Repayment This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.
Counter-to-counter repayment refers to bank cards issued by networked financial institutions, which are used to conduct RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.
the "xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center, and supported by financial services provided by the inter-bank information exchange network of China unionpay.
Repayment Pass uses "Repayment Pass" for repayment, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local People's Bank.
in addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods for the convenience of cardholders.
Can I still get a loan if my credit card is in arrears?
If the arrears are not overdue, I can continue to borrow. If the arrears are overdue, it will affect your credit, and you can continue the loan only if you repay them as soon as possible.
Extended information:
The bank will increase the installment quota of its credit card according to the credit status of the credit card holder, so as to meet the demand of the cardholder to purchase the designated brand cars in installments at the designated dealer. The cardholder can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
handling fee: you don't need to pay the bank loan interest when buying a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after the installment purchase), and the handling fee rate of each bank is different.