1. Will the overdue credit card be stopped?

Credit cards will not be disabled. After the online loan is overdue, if the credit is recorded in the overdue record, it will cause personal credit, but for the credit card that is normally used, it will not cause the credit card to be suspended. Credit cards are usually suspended because of overdue credit cards and illegal use of credit cards, while overdue online loans will only lead to suspension of online loans. If there is no record of overdue, overdue online loans have no effect on credit cards.

Second, what are the solutions to overdue online loans?

1. The parties may apply to the lending institution for deferred repayment.

2. If both parties can't reach an agreement on the extension, the parties can solve it through mediation, arbitration and litigation.

3. If the interest rate provided by the lending institution is 4 times higher than the quoted interest rate of the one-year loan market when the contract is established, the parties may apply for confirmation that the excess part is invalid.

3. What should I pay attention to when applying for online loans?

1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the lender applies for a large loan amount, it is suggested that the borrower appropriately reduce the loan amount, so that the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Ensure that the borrower can repay the loan on time no matter when, where and under what circumstances.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.

Overdue online loans will have a series of negative effects on borrowers, but because online loans and credit cards are two types of credit products, they will not directly affect the use of credit cards. However, if there are overdue records of online loans in the credit report, it will have a certain impact on the credit card quota and consumption behavior, but it will not affect the normal use of credit cards.