Overdue credit cards will have an impact on loans. Overdue credit cards will damage your personal credit record, which will affect your credit evaluation when applying for a loan. The following is a detailed explanation:

1. Impact on credit evaluation:

Overdue credit cards will cause bad records to appear in personal credit records, which is a negative for lending institutions when conducting credit evaluations. factor. Credit evaluation is an important reference for lending institutions to evaluate applicants' repayment ability and credit risk. A poor credit record will increase the risk of loan application, thereby affecting the success rate of loan application.

2. Impact on loan interest rates:

Overdue credit cards may lead to an increase in loan interest rates. When applying for a loan, the lender will determine the loan interest rate based on the results of the credit evaluation. If there are many or serious credit card overdue records, the applicant's credit score will be lowered, thereby increasing the risk when applying for a loan. To compensate for the risk, the lender may increase the interest rate on the loan, which will increase the cost of repaying the loan.

3. Difficulty in loan approval:

Overdue credit cards will also make it difficult to apply for a loan. Lenders carefully consider an applicant's credit profile when approving a loan application. If the credit card is overdue or has a large overdue amount, the lender may consider that there is a problem with the applicant's repayment ability and thus reject or delay the loan application. Even if final approval is granted, more guarantees may be required or a higher interest rate may be required.

Summary:

Overdue credit cards can have a negative impact on your loan. It will affect personal credit records and credit evaluation results, increase loan interest rates, and may make loan applications difficult to approve. Therefore, it is very important to pay off your credit card debt on time and maintain a good credit record when applying for a loan.

Extended information:

It should be noted that in addition to overdue credit cards, other personal overdue records (such as borrowings, installment payments, etc.) will also have an impact on loans. In addition, credit card payment history and credit limit usage are also factors lenders consider. In order to maintain a good credit record, it is recommended to use credit cards rationally, repay on time, and control the use of credit limits.

Please note that the above information is for reference only, and specific credit evaluation and loan approval results still need to be determined based on specific circumstances. If you have loan needs, please consult a professional financial institution or credit counselor to obtain accurate information.