Is it difficult to apply for a credit card after it is overdue?
There will be some difficulties, but it depends on the specific situation. After all, credit reporting is not the only reference factor for handling credit cards, and different banks have different tolerance for overdue. For a financial link like a bank, the applicant's credit can reflect his willingness and ability to repay. If you apply for a credit card late, it depends on the degree of overdue.
1, overdue is also a serious problem, as light as overdue repayment is only a few days, not more than one month; A serious overdue means that the time is more than 3 months, or the number of times has reached 6 times, which is often said to be 3 times and 6 times. Slight overdue impact is relatively small, it is recommended to pay off the debt 3~6 months before the credit card; Serious overdue repayment for nearly five years does not hold much hope.
2. In addition to the overdue period, it also depends on the repayment ability of the applicant, including many aspects, such as the proportion of personal debt, the number of credit reporting institutions, and the number of inquiry records on credit reporting. It is best that the lower these values are, the better, and the impact on repayment ability is relatively small.
Finally, it depends on the threshold of credit card. Under normal circumstances, the credit card threshold of commercial banks is relatively loose. If you don't pay off your debts seriously within the time limit, you still have a chance to get a card, such as Ping An Bank, Industrial Bank and Guangfa Bank. State-owned banks pay more attention to assets, have no certain economic strength, and it is difficult to get cards only by income.
Is it difficult to apply for a credit card after it is overdue? I hope it will help everyone.
1. What about credit card arrears after imprisonment?
Generally speaking, even if the cardholder is imprisoned, he still needs to repay