Bank loans overdue needs to be divided into specific situations. Generally speaking, applicants are required not to be overdue at present, not to be overdue twice in half a year, not to be overdue for three consecutive times in the past two years, and not to repay for six times in total.

Credit card processing generally requires the applicant to have a stable and legal source of income and a good willingness to repay, which can be handled with reference to the following procedures:

1. Applicants can apply for a credit card from a credit card bank through online application, contacting a credit card salesman to apply at home, and directly applying at the counter.

2. The staff of the credit card bank will pay a return visit to the telephone number in the application materials to verify whether the application materials are true. Misunderstanding of information directly leads to the failure of application;

3. After the applicant's credit card is approved, he will receive a short message notice from the bank where the account is opened, waiting for the card to be mailed;

4. After receiving the card, you can apply for activation according to the activation method in the envelope. Generally, there are manual phone activation, SMS activation and counter activation. , you can decide according to your own convenience;

5. You can use the credit card normally after activation. Pay attention to the monthly repayment date and amount of credit card.

note:

1, other available financial proof can help the applicant to apply for a better or higher credit card;

2. Credit card overdraft, please treat it rationally.