Can I get a loan for credit card arrears?

It depends on the amount of the loan, the purpose of the loan and the repayment plan. Banks will check your personal flow, personal assets, etc., and even some will examine your character. The focus of each bank is different, and some basic information between banks is interoperable.

the key point is to have a clear plan for spending money and repayment. After all, the loan has to pay interest, and it is very important to use this loan to obtain better income.

Loans can be divided into credit loans. If real estate is used as collateral, other requirements will be much lower.

generally speaking, as long as the credit card of the bank is not overdue, the bank will consider that the repayment ability of the lender may not be too much if the credit card debt is relatively large, and there is no problem if it is a mortgage loan. The required information is as follows:

1. Credit loan:

ID card, work certificate, company address, company phone number, salary flow, residence certificate, water and electricity invoice, Warrant, driving license, provident fund card and social security card are helpful to improve the comprehensive score.

2. Mortgage loan:

ID card, household registration book, marriage certificate, income certificate, bank account, property right certificate and land certificate (provide information of both husband and wife when married).

Extended information:

Bank loans mainly look at the following two aspects:

1. Banks consider repayment ability

Banks mainly look at your financial strength and repayment ability. As long as your credit card is in normal use and there is no overdue or bad credit record, it will not affect your loan application. Banks will comprehensively consider whether to lend or not and the amount of lending according to individual circumstances. But if every card in your hand is seriously overdrawn, then the bank will question your repayment ability.

2. My credit history

If the credit card is in arrears and has a bad credit history due to overdue repayment of the credit card, don't cancel the card in a hurry. Cancellation of bad credit records of credit cards will not be eliminated. It is suggested to pay off the arrears immediately to avoid interest. For credit card bills with a large amount that cannot be paid off at one time, it is relatively cost-effective to repay them in installments to avoid overdue credit cards.