It’s not necessarily impossible, it depends on the specific situation.

1. The credit card is only overdue once or twice

This kind of bank will generally not refuse the loan, but it may increase the loan interest rate appropriately, which is the first situation mentioned above.

Solution: Home buyers can ask several banks, because if the housing loan interest rate of the cooperative bank for the real estate is preferential, you can enjoy preferential treatment when applying for a loan at some banks. Just choose the one with the lowest interest rate.

2. Credit card overdue for 3 times in a row or 6 times in total within two years

When approving a mortgage loan, banks will refer to the number of overdue payments of individuals in the past 2 years. If you make three consecutive late payments during the year, or a cumulative six consecutive late payments during the year, you will not be able to obtain a loan. It should be pointed out that the meaning of three consecutive overdue repayments is that, for example, the repayment period of a fund is one month, and it has not been repaid for three consecutive months; and a total of six times, for example, it is overdue once and repaid; it is overdue again, so Happened six times.

Solution: If you find that the debt is overdue, you must pay off the debt promptly, maintain a good repayment record within the next 24 months, and cover the bad records with good records.

If the cardholder forgets to repay the card, he or she can apply for a time limit to repay the card. On-time repayment refers to the cardholder's repayment within three days of the latest repayment date, which can be counted as on-time repayment, and overdue payments will not be recorded in personal credit records.

If the cardholder repays the loan after the bank's grace period, he should immediately submit a "non-malicious overdue certificate" to the bank and apply to cancel the overdue record. It is also feasible, provided that the amount cannot be Too big. Usually, bad credit records will be retained by the central bank's credit reporting center for 5 years and will be deleted after 5 years. However, once a credit stain occurs, even if it is an honest mistake, it cannot be eliminated within 5 years, so I remind you to pay attention to your credit record.

Extended information:

Consequences of overdue payment

1. Liquidated damages are incurred, which are generally the minimum repayment amount and 5% of the unpaid portion.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

Baidu Encyclopedia-Credit Card