1. Will a credit card overdraft affect the loan?

Credit card overdraft will affect the loan, but if the user has only one overdue record, then his credit It won't have much impact, and most banks will handle business normally.

If a borrower fails to repay on time for three consecutive times within the specified period before applying for a loan, or if there is a cycle of overdue repayment and then overdue payment more than six times within two years, it will be considered by the bank as Bad credit history.

Banks will take into account many factors when granting loans, such as personal qualifications, houses and cars in the name, income, bank policies, etc., not just overdue situations.

2. How to remedy the overdue credit report

1. Continue to use this card

If the credit card is overdue, do not stop using it. This will be considered by the bank as deliberately overdrafting the credit card and not paying back the money. Therefore, after the overdue period, if possible, try to pay back all the money owed as soon as possible. At the same time, you must continue to use the card and maintain a normal repayment record. , generally after 24 months of use, a new credit record will be generated and a new personal credit can be refreshed.

2. Don’t run away

If the overdue credit card amount is too large and it is overdue for a long time, interest compounding will bring high late payment fees. In this case, even if If you are unable to repay, don't run away, because once you run away, the bank will determine that you are a malicious overdraft and will call the police;

3. If you are unable to repay, you must explain it in time

If it is a special reason If you are unable to repay in the short term due to unemployment, illness, etc., you should promptly submit materials to the bank to state your financial situation. The purpose is to explain to the bank that the debt is not malicious, and try to apply for delayed repayment and interest discounts from the bank. There are several methods you can try: apply to defer repayment for a few days in the future; apply for bill installments to ease the repayment pressure in a short period of time; try to repay with the minimum repayment amount;

4. Full Repay the full amount and provide additional explanations

If the credit card is overdue due to negligence, after discovering that it is overdue, you must quickly pay back the entire amount, and at the same time call the bank or go directly to the bank branch to explain what it is. If the overdue record is caused by any reason, ask the bank to delete the overdue record. All this must be handled before the bank reports your overdue record to the Bank of China. Once it is reported to the Bank of China, it will be too late.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.