No bank stipulates that credit card debt must be paid off before taking out a loan, but some banks will treat credit card debt as a liability when calculating the approval limit, which will reduce the loan limit. However, If the credit card has the minimum repayment, it also means that the repayment ability is not very strong, and the bank will consider the repayment ability.

Can I get a loan to buy a house if I have an overdue record?

The credit card repayments are overdue three times in a row. For example, the repayment period for a fund is one month and it has not been repaid for three consecutive months. Tired six, a total of six overdues, for example, it was overdue once, and it was paid; another overdue occurred, and this happened six times. Moreover, banks will refer to the creditworthiness of the couple when approving a house purchase loan. As long as one party has been in trouble for three consecutive years, they will not be able to obtain a loan.

1. It was only overdue once or twice.

You can apply for timely repayment, which means that any repayment made by the cardholder within 3 days after the latest repayment date can be counted as on-time repayment. After repaying the loan in full within the grace period, immediately call the bank's credit card center to declare that the debt is not malicious. If the record has been good in the past and the overdue period is short, and it is found that the overdue repayment is good, you may not be charged. Keep bad records.

2. It has been seriously overdue.

The credit report records the usage status of the cardholder's credit card each month in the past 24 months.

Once a serious overdue record is discovered, continue to use this card and cover the original negative record with a new repayment record. A new credit record will be generated after 24 months, and it will be updated after the record is refreshed. It will not affect personal credit.

If you want to apply for a loan now, you can try to provide the bank with a certificate of "non-malicious overdue". Some banks may be lenient. For example, if you just open the card and don’t use it for a long time, the annual fee will be overdue.

3. Do not cancel the card at will after overdue repayment.

If a bad record is generated after the due date, you must continue to use it normally. Never cancel the credit card immediately after paying off the balance. If terminated with a card, the previous bad records will no longer be rolled over, but will be saved for a long time.

4. Don’t ignore overdue records.

If you don’t repay your money all the time, you will have a bad record every month. If you don’t repay your money for many months, you will be sued by the bank. In the mild case, the card usage record will become very bad, and in serious cases, you will be sentenced and fined. In addition, late payment will result in penalty interest and late fees, causing the amount of arrears to become larger and larger.

5. If you are unable to repay the loan, explain the situation to the bank.

When the cardholder is unable to repay the loan on time due to unemployment, illness or accident, before the final repayment period arrives, it is best for the cardholder to proactively contact the bank's credit card center to state his financial situation and declare himself The debt was not due maliciously and applied for delayed repayment and interest discounts. With the bank's consent, no bad records will be recorded.