Can I get a loan if I have a credit card debt?

Whether I can get a loan if I have a credit card debt is related to the borrower’s credit card debt status:

1. If I have a credit card debt If the loan is too large, the personal debt ratio will be higher. When applying for a loan, the bank will consider the borrower's repayment ability insufficient, and the loan may be rejected.

2. If the credit card debt has an overdue record and the bank inquires that the user has an overdue record, the bank may reject the loan due to this situation.

3. If the credit card debt is not large and there is no record of overdue repayment, it will generally not affect the loan.

Extended information:

What are the conditions for applying for a loan from a bank?

1. Have a fixed income and a stable residential address. It depends on the salary details.

2. Aged between 18 and 65 years old.

3. Have full capacity for civil conduct.

4. The borrower has good credit and no bad records.

5. Have good willingness to repay.

6. Loans cannot be used for stock trading, gambling and other inappropriate activities.

Can I get a loan if I have a credit card debt?

Not necessarily.

Situation 1: There is a debt on the credit card but it is not overdue

If this is the case, the cardholder usually uses installment payment or only pays the minimum repayment amount. , resulting in credit card debt, but did not cause the credit card to become overdue. In this case, it is possible for the credit card holder to refinance, but the impact is that the approved amount will be lower.

Situation 2: There is a debt on the credit card and it is overdue

If this is the case and there is no repayment and there is an overdue record, then the credit card holder wants to get a loan again. That would be a bit of a fantasy. Nowadays, banks generally will not grant you a loan, or reduce your loan amount, or raise your interest rate, as long as you have three consecutive overdue records in the past two years, accumulating six times.

Credit card repayment methods

The methods within the card issuing bank include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

Can I get a loan if I have a credit card debt?

This depends on the amount of the loan required, the purpose of the loan, and the repayment plan. Banks will check your personal statement, personal assets, etc., and some even check your character. Each bank focuses on different things, and some basic information is shared between banks.

The key point is to have a clear payment plan and repayment plan. After all, loans have to be repaid with interest, and it is critical to be able to use this loan to obtain better returns.

Loans are divided into credit loans. If there is real estate as pledge, then other requirements will be much lower.

Generally, as long as the credit card of the bank you borrow from is not overdue, it will be fine. If the credit card debt is relatively large, the bank will consider the borrower's repayment ability and may not lend too much. If it is a mortgage, If you want a loan, there will be no problem. The required information is as follows:

1. Credit loan:

ID card, work certificate, company address, company phone number, salary statement, proof of residence, water and electricity invoices , Rights raising certificate, driving license, provident fund card, and social security card will help improve the overall score.

2. Mortgage loan:

ID card, household register, marriage certificate, income certificate, Bank statement, property rights certificate, land certificate (if married, provide information of both spouses).

Extended information:

Bank loans mainly look at the following two aspects:

1. The bank considers the repayment ability

The bank mainly examines It depends on your financial strength and repayment ability. As long as your credit card is in normal use and has no overdue or bad credit records, it will not affect your loan application. The bank will comprehensively consider whether to lend and the loan amount based on individual circumstances. But if every card in your hand is seriously overdrawn, the bank will question your ability to repay.

2. My credit record

If you have a debt on your credit card and have a bad credit record due to overdue repayment of the credit card, don’t rush to cancel the card. Canceling a credit card will not eliminate bad credit history. It is recommended to pay off the debt immediately to avoid interest compounding. For credit card bills with large amounts that cannot be paid off at once, it is more cost-effective to repay them in installments to avoid overdue credit cards.