1. Will overdue online loans affect credit cards?

1. Overdue online loans will still have a certain impact on credit cards. If you want to apply for a credit card, the bank will check it. For personal credit reports, if an online loan is overdue in your credit report, the bank's approval will generally not be approved.

2. Overdue online loans have little impact on personal use of credit cards. As long as individuals pay attention to the repayment time when using credit cards and avoid overdue loans, it will be fine.

2. Will all bank cards under the name of the borrower be frozen if the online loan is overdue?

Although overdue online loans will have negative consequences, it is generally unlikely that the borrower's name will be frozen. The bank cards are frozen. Many online loans are not connected to the central bank's credit reporting system, so overdue situations are only recorded in big data and have nothing to do with credit reporting. There is no overdue online loan record on your credit report, so it is naturally unlikely that it will affect the bank card in your name.

3. What to do if you are sued for non-payment of an online loan

(1) Take the initiative to negotiate with the bank

The first thing to do is, of course, take the initiative to contact the bank The bank, you know, although the bank can sue, it can also withdraw the lawsuit. Therefore, you can take the initiative to explain the situation to the bank and prove that your situation is indeed difficult. As long as you negotiate well with the bank, the bank will generally not be too embarrassed.

(2) Repay the credit card

Since you are being sued for owing credit card money, then naturally you need to repay the credit card if you want to solve the problem.

Of course, credit card repayment does not necessarily require you to pay off all the debt in a short period of time. You can negotiate a repayment period with the bank, and then pay back a little every month to show your willingness to repay. Intention is very important.