Loans are available. If your credit card is overdue for more than 90 days, you can still apply for a loan. The following is a detailed explanation of this issue:
1. You can get a loan if your credit card is overdue for more than 90 days. Even if your credit card is overdue, you can still apply for a loan as long as the overdue period does not exceed 90 days.
Next, we can explain in detail through the following points:
First, credit cards that are overdue for less than 90 days will not have a large impact on personal credit records. In China's credit reporting system, records that are less than 90 days overdue will not be classified as seriously overdue, so the negative impact on credit records will be relatively small.
Second, banks will consider multiple factors when reviewing loans. In addition to overdue credit cards, banks will also consider other credit information of loan applicants, such as stable sources of income, other loan records, etc. If after comprehensive consideration, the applicant's credit status is deemed to be generally good, the bank may still approve the loan application.
Third, loan approval is an independent judgment made by the bank. Each bank has different policies and standards when approving loans. Some banks may be more sensitive to overdue credit cards, may pay more attention to applicants' credit records, and may have reservations about applicants who are overdue for a certain period. However, some banks have a certain tolerance for overdue loans and will still consider approving loan applications as long as other credit conditions are good.
To sum up, if your credit card is not overdue for more than 90 days, you can still apply for a loan. Different banks may have different policies and judgment standards for this, but overdue credit cards will not completely affect the approval of loan applications within a certain range.
Extended information: Credit card overdue refers to the behavior of credit card holders who fail to repay on time after the specified bill repayment date. In order to prevent losses caused by overdue credit cards, banks usually record overdue behaviors and classify them into different levels according to the length of overdue time. Serious overdue credit may have a greater impact on an individual's credit record.
Summary: If your credit card is not overdue for more than 90 days, you can still apply for a loan. Banks will consider multiple factors when reviewing loans and make independent judgments on each applicant. Therefore, a credit card that is less than 90 days past due will not completely affect the approval of your loan application.