1. Choose an online loan platform. Compared with bank loans, the threshold for many online loans is much lower, which is more suitable for users who do not have good personal credit.

2. When applying for a mortgage loan, if the credit card is seriously overdue, it obviously does not meet the review requirements of any financial institution. In this case, you can use your own assets as collateral.

3. Provide a guarantor. If your credit card is overdue and your personal credit is seriously bad, you can provide a guarantor for the loan. The guarantor has better qualifications, such as having more assets in his name.

4. If you want to apply for a loan if your credit card is seriously overdue, you can start from the points introduced above, but remember to pay off the overdue credit card in your name when applying for a loan, otherwise it will not matter Whether it is a mortgage loan or a secured loan, it will not work.

Extended information:

What will the bank do if the credit card is overdue?

1. Short-term overdue

If the short-term credit card is overdue, the bank will usually notify the bank via SMS or Collect cardholders' balances over the phone (usually within one or two weeks).

2. Mid-term overdue

If the cardholder's overdue amount is large and lasts for more than one month, and the cardholder fails to repay the debt during the bank's telephone collection, the bank may call the bank at this time. Collect money from relevant contacts such as the cardholder’s parents, husband and wife.

3. Long-term overdue

If the cardholder is three months overdue for inspection, the bank will use a full-time payee to come to collect the payment. If still invalid, the bank will prepare information for prosecution in court.