1. Can I still get a loan if my credit card is overdue?

Generally, the loan bank’s requirement for overdue credit is that it cannot be twice overdue in the past three months and cannot be overdue in the past six months. There are three times, but not four times in one year. If a person has been overdue for six times in two years or three times in a row, he or she will be considered by the bank to have a bad credit record. It is usually difficult for the person to gain the trust of the bank, and he will most likely be turned away when refinancing. In addition, if you are overdue for more than 90 days, you have also been blacklisted by the bank, and it is estimated that it will be difficult to get another loan.

Advertisement of cheats for increasing credit limit

One million limit is too far away, but you can increase your limit by 50% with it

If a credit card is overdue, if it is due to special reasons, You can explain the specific situation to the bank and prove that you did not forget to pay due to special reasons and did not intentionally forget to pay. After investigation by the card issuer, the bank will issue you a "Non-Malicious Overdue Certificate" and apply for a loan with the bank. The bank may also approve your application. According to current regulations, personal credit records can be kept for a maximum of 5 years. In other words, credit records from 5 years ago will be deleted, and any bad records from 5 years ago can also be deleted. Therefore, if there is a record three years ago, but the loan was paid off immediately at that time, and there are records of normal financial interactions thereafter, the bank can still consider approving the borrower's application. No matter how bad it is, many loan companies will accept this condition

2. Can I get a mortgage if my credit card was overdue multiple times 3 years ago?

Credit cards are overdue for three months in a row, or cumulatively overdue within one year. Six times, the bank will reject the loan, but the conditions for mortgage loans are not uniform across branches. Before buying a house, just find a professional real estate agency to pre-qualify the bank through their cooperative bank. The pre-qualified bank staff will provide you with professional answers

3. My credit card was overdue three years ago. Can I get a loan to buy a house now?

Overdue credit cards will affect the loan to buy a house. According to the "Credit Industry Management Regulations": If you have a bad credit record, you will not be able to get a loan or apply for a credit card within five years. The bad credit record must be deleted after five years. loan.

Different banks have different standards for approving personal credit records. Depending on the financial situation and repayment situation, consumers will always pay attention to their early bad credit records.

Credit reporting agencies shall delete personal bad information for a period of five years after the bad behavior or event has been terminated. When you handle new business, the relevant departments will generally give you priority.

Credit cards have overdue processing methods:

First of all, if the repayment time has passed, repay as soon as possible

Contact the bank account manager to see if there is an overdue record , can it be remedied in time? Because generally banks will have a gap of one or two days for customers whose repayment exceeds the repayment date by one or two days, and no overdue record will be generated;

If by any chance an overdue record is generated, the card cannot be canceled, otherwise If so, the overdue records cannot be deleted. So you have to pay off the debt, continue to use the credit card, remember to repay in time, spend more, and repair the limit

Make sure your mobile phone and phone are open, because before the credit card becomes overdue, the bank account manager may remind you You repay the money in time to avoid overdue payment;

disappears and the bank cannot contact you. Because credit card debts are subject to interest compounding, interest compounding is very scary. It is even possible to borrow 5,000 and repay 50,000 in 2 years. The bank will enforce enforcement;

Generate overdue records , then make sure that no more overdue records will occur within the next five years, and after five years, the overdue records will be cleared. At the same time, if you are going to buy a house or otherwise require a personal credit check, you can consider negotiating with the bank and asking it to provide you with a non-malicious overdue record statement. This can also ensure that the bank will lend you a loan.

4. Can I get a loan if my credit card is overdue for three years?

No more.

If a credit card is overdue and exceeds the billing date by three days, it will be reported to the People's Bank of China's credit reporting system. If it exceeds 90 days, it will enter bank collection procedures. If the money owed is not a lot, it will remain as a bad debt. At the same time, the People's Bank of China's credit reporting system will also show overdue records of more than 90 days. This credit reporting will be seen by all financial institutions, and no formal financial institutions will. Got you a loan. This is still the lightest punishment. If you owe a lot of money, not only will you have to report it to the credit reporting system, but the financial institution will also refer you to it. Then don’t think about whether you can get a loan. It’s good if you don’t go to jail.