Is it impossible to get a credit card if there are too many online loans?
Credit card applications cannot pass if they meet the basic conditions, and personal credit and repayment ability are also key reference factors. In particular, some credit card businesses have been lifted before issuing cards, such as online loans, which will have an impact on credit card processing.
Although running a credit card does not mean that you can't have online loans, people who borrow online loans are usually short of money, depending on the loan and repayment of online loans. It is aimed at online loans with credit information and will not be ignored for the time being.
Online credit collection and repayment directly affect credit. If you can repay the loan on time, there is no big problem, but once you have bad credit beyond the time limit, the pass rate of the credit card will be greatly reduced, especially if you have a bad credit, you will not be given any chance.
There are many online loans for credit reporting now. More than three loans are multi-head loans, and the applicant's credit information will be spent. The key point is that long-term loans overdue is risky, and even if it is not overdue, it will be regarded as insufficient repayment ability. If the financial strength is good, you can pay off part of the loan as appropriate before applying for a credit card, or the offline outlets can provide sufficient proof of assets, which is conducive to credit card approval.
In short, whether there are too many online loans to make credit cards depends on the specific situation. However, as long as you know, people with good credit and strong repayment ability have the opportunity to apply for a card under any circumstances, no matter how many credit cards there are. They can choose ordinary credit cards with loose thresholds such as China Merchants, Xingye and CITIC.