If the credit card is overdue, there are two ways to get a loan:
In one case, the credit card is overdue only once or twice and has been paid off. This will not affect the loan.
Another situation is that Alipay is overdue for many times, and the overdue time is relatively long. This has a great impact on handling loans. Because in this case, it will seriously affect credit, thus affecting loans.
2. Can I borrow money to buy a car if my credit card has an overdue record?
Legal analysis: According to the relevant laws and regulations of our country, if the actor's credit card has an overdue record, it belongs to the person who has broken his promise. Unless he repays in time and clears the record of breaking his promise, he may not borrow money to buy a car.
Legal basis: Article 3 of the Provisions of the Supreme People's Court on Restricting the High Consumption and Related Consumption of the Executed Person.
If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not have the following high-consumption and non-essential consumption behaviors for life and work:
(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;
(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;
(four) leasing high-grade office buildings, hotels, apartments and other places to work;
(5) Purchasing non-essential vehicles;
(6) tourism and vacation;
(seven) children attending private schools with high fees;
(8) Paying high premiums to purchase insurance wealth management products;
(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.
If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. If personal property is used for private consumption to carry out the acts specified in the preceding paragraph, it may be applied. If the implementation review is true, it shall be allowed.
3. Can I apply for a loan if my credit card is overdue?
At present, overdue loans are not allowed, and applicants need to take remedial measures for personal credit to eliminate bad records.
General banks will judge whether to refuse loans according to the number and reasons of overdue repayment. The bank will review the following overdue repayments.
The current overdue situation, if the applicant has overdue repayment in the current month, then the bank will not continue to examine and approve. Unless the applicant repays the overdue debt immediately, he must also provide a "repayment receipt" (deposit receipt).