It should be noted that when issuing credit cards, banks will not only consider the applicant's credit history, but also consider his repayment ability, income status, job stability and other factors. If the applicant's credit card debt is large and unable to repay, the bank will think that his repayment ability is weak, which is unfavorable for applying for a credit card.
In short, it is difficult to get a credit card if the credit card owes money and cannot repay it. If you really need to apply for a credit card, users are advised to solve the problem of credit card arrears before and improve their credit rating. In addition, users can know their credit status by querying large credit data, such as the credit query service provided by Eagle Heart Quick Search and other platforms, which can help users know their credit status, so as to better plan and manage personal finance.
Extended data:
Credit card overdraft and inability to repay may have a greater impact on personal credit. Once the credit card overdraft is overdue, the bank will report it to the credit reporting agency, which will have a negative impact on the personal credit record and reduce the personal credit score. Credit score has an important influence on all kinds of financial transactions and loans in daily life, including renting a house, lending money, buying a car and so on. Therefore, when using credit cards, it is necessary to plan consumption reasonably, ensure timely repayment, and avoid overdraft and debt problems.
In addition, when dealing with the problem of credit card arrears, you can communicate with the bank and make a repayment plan as soon as possible. Some banks will also provide installment repayment and other ways to help users solve the problem of arrears. Timely cooperation with banks to solve problems will help restore personal credit.
Summary:
It's hard to get a credit card when you owe money and can't pay it back. Banks will comprehensively consider the applicant's credit history, repayment ability, income status and other factors when handling credit cards, and overdue arrears will have a negative impact on personal credit. Therefore, users are advised to solve the problem of credit card arrears before handling credit cards, plan personal consumption reasonably and ensure timely repayment. In addition, it is also a wise choice to know the credit status through the credit inquiry platform.