Next door neighbor Xiao Wang was very troubled. He had taken a fancy to a new car and thought that he could take the car home with a loan. However, his loan application was rejected. After asking, he found out that there was an overdue credit card record in his credit record. So how can I get a loan to buy a car if my credit card is overdue? I will teach you three tricks to help you deal with it easily.

Method 1: Update credit records. Many friends are only overdue once or no more than 3 times in half a year. This situation is easy to handle. The applicant can contact the bank to repay the loan, and then apply for a car loan and the application can be successfully approved.

Method 2 Friends who have a lot of overdue loans are in a bit of trouble. They need to repay the loan first. Secondly, continue to use the Xin card for about two years and maintain a good repayment record, which can cover up the previous bad records. There should be no big problem if you apply for a car loan after two years.

Method 3: Mortgage loan. In fact, many car finance companies now also provide loan services. Their loan process is simpler than that of banks. They don't look at personal credit reports. As long as they can provide a certain amount of property as collateral, they can get a loan smoothly. Of course, the corresponding interest rates are also higher than those of banks. Did the above three tips help you? However, I still have to remind everyone that overdue credit cards still have a great impact on your credit report. Maintaining a good credit report will bring great convenience to future loans!