1. Personal credit record: Overdue online loans may adversely affect personal credit records, and banks usually check personal credit status when handling credit cards. If there is a long or large overdue record, the credit score may be lowered, thus affecting the pass rate of credit card application.
2. Overdue repayment ability: When approving credit cards, banks will consider individual repayment ability. If the online loan is overdue, the bank may think that the borrower's repayment ability is unstable, which will affect the application result of the credit card.
3. Banking policy: Different banks may handle overdue online loans differently. Some banks may be stricter, and will regard overdue online loans as bad credit records and directly refuse credit card applications; Other banks may be more flexible, taking into account the overall credit situation and personal liquidity.
Summary:
Although overdue online loans may have a certain impact on credit card applications, many factors need to be considered in the specific results. It is recommended to restore a good repayment record and improve your credit score before applying for a credit card. In addition, it is also important to understand the policies and requirements of banks.
Extended data:
According to China's personal credit information system, overdue online loan records will be recorded in personal credit reports, which may have a long-term impact on credit scores. Credit score is one of the indicators to evaluate personal credit status, which affects the financial service application and loan interest rate in daily life. Therefore, it is very important to maintain a good credit record. In addition to avoiding overdue repayment, timely repayment and establishing a good credit record will help improve the credit score and increase the success rate of credit card application.