Will the overdue repayment record of credit card affect the loan? In this case, many cardholders will refuse to lend their credit cards and want to go to the bank for loans after they are overdue, but because the overdue repayment records will be displayed on the credit report, it may have an impact on the loans. But it doesn't mean that the loan will be refused if it is overdue. It mainly depends on the overdue time and overdue times. Let's take a look. We all know that the new version of the credit report will keep the repayment records of overdue credit cards for five years, while banks usually look at the repayment records in the last three to six months, so if a credit card has been overdue for a long time, but the debt has been paid off, the impact will be relatively small. < /p > If a credit card is overdue in 3-6 months and the debt is not paid off before the loan, the bank will ask the applicant to pay off the debt and come back, and some will ask for a debt settlement certificate. After all, any debt will affect the applicant's ability to repay the loan. In order to avoid risks, the bank will not lend to people with high debts. < /p > Of course, it doesn't mean that you can get a loan by paying off the arrears. It depends on how many times the applicant is overdue. < /p > Under normal circumstances, the overdue times should not exceed 3 times in a short period of time. Loans with short overdue time are promising, but the loan interest rate will rise. In real life, there are many such examples. Some people's credit cards are overdue for one time to apply for a mortgage, but they can't enjoy interest rate concessions, and they have risen by 1~5 points on the benchmark interest rate, so they have to pay tens of thousands more interest. < /p > And if the overdue times reach three times in a row, this situation will be considered as serious overdue, which will be blacklisted by the bank, and there is no hope of lending within five years after the record of overdue repayment of credit cards is eliminated. < /p > In short, the record of overdue credit card repayment will affect the loan. I suggest that you must stay away from bad credit card use, pay it back as soon as possible if it is overdue, and spend more on credit cards, repay on time, keep a good habit of using credit cards, and cherish your credit, otherwise it will be useless to regret when there is a real need.