1. Will an overdue credit card affect my application for a credit card?

No, this will be very stressful.

You can also apply for a credit card if it is overdue, but you may not be able to apply successfully. Generally speaking, the more overdue records, the more overdue the credit card will be. The more serious it is, the less likely it is that the bank's credit card center will allow the applicant to pass approval. Even if the application is reluctantly successful, the credit card limit will be appropriately reduced.

Under normal circumstances, banks can also directly reject credit card applications if one of the following circumstances occurs:

1. Overdue repayment for the last three consecutive months, or within one year It has been overdue for more than six times in total.

2. It is three months overdue and there are still overdue debts that have not been paid off.

When consumers apply for a credit card, commercial banks will conduct a review of the applicant's qualifications and assess the applicant's qualifications through various aspects such as work unit, salary, bank flow, fixed assets, etc. This is actually a review of the individual's qualifications. An assessment of the economic situation was carried out. If the applicant does not meet the application conditions or the personal debt ratio is too high, it will be difficult to pass the credit card approval. Even if the applicant barely passes, the credit card limit will often be lower, so this point explains the application for a high-limit credit card. People already have good repayment ability.

When using a credit card, cardholders can spend a fixed monthly amount, just like paying by mobile phone or cash. Riding Bulls and Watching Bears believes that you don’t need to deliberately consider the extra credit limit on your credit card, just treat it as “none”. However, when you use a credit card to pay for daily consumption, you will find after a few months that except for the full amount of the credit card once a month In terms of repayment operations, basically the expenditures have not changed much.

After using the card for a period of time, cardholders will also find that some stores can use credit cards to get discounts, and they can enjoy "three people traveling together for free", "Friday half price", "double points accumulated on consumption" ” and other activities, you can also spend cashless when traveling abroad. Even if you travel to multiple countries, you don’t have to worry about consumption payment problems caused by currency inconsistencies. Riding the Bull and Watching the Bear has found that some savvy cardholders will also invite good friends to dine at stores with designated promotions on their credit cards during normal dinner parties, which can also save a lot of daily expenses.

If the cardholder is afraid that the actual consumption amount will continue to increase after using the credit card every month, he may consider using the accounting function. Every consumption is recorded in the mobile APP account book, so that you can compare it with the consumption situation of the previous month, and you will not worry about being unable to repay due to excessive consumption. Riding the Bull and Watching the Bear believes that this can not only ensure the monthly increase in income and expenditure reduction plan, but also avoid the situation of being unable to make ends meet.

Even during the process of use, there were expenses for purchasing home appliances, decoration and other large items, which led to the inability to repay in full in the short term. Credit card repayments also include installment repayments and minimum repayments. Two delay functions. Cardholders can delay repayment through this function, and manage their living income and expenses rationally while being rational. This is also a better way to use the "gap" for life consumption.

Some consumers are still worried that their consumption amount will gradually increase as their credit card limit increases. At this time, they can also proactively call the credit card customer service center and ask customer service staff to help reduce the amount. Credit card limit. Riding the Bull and Watching the Bear believes that the amount can be reduced to a limit that one can afford, so that one can feel more confident when making subsequent purchases and all worries will disappear.

2. If you have four overdue repayments within a year, will it be impossible to apply for a credit card successfully?

There are many reasons for credit card overdue: lack of credit awareness, not understanding what overdue is, many friends did not know the seriousness of the matter until UnionPay made a collection call, and some were incompetent and incapable of repaying the credit card. There are also friends who are careless and forgetful, so what should I do if such a situation occurs? Can I apply for a new card? Will it have a bad impact on my credit record?

The overdue amount is within 3 months, the overdue amount is not large, and after all is paid off, continue to use the credit card and repay on time.

Application success index: high

In this case, the overdue amount is not very large. Such a friend will still leave a stain on the credit system. Even if the overdue record exceeds three times, it will be a small one. Overdue buyer loans are difficult. However, if you can maintain on-time repayment for more than six months later, the bank will re-judge whether you have the ability to repay and your credit rating. At this time, you are more likely to be approved. Of course, the probability of applying for a card is still related to the personal conditions of your workplace. And the amount will be relatively small.

If you want to apply for a high quota, it is better to leave it alone if you have real estate, but generally you need to have a guaranteed recommendation.

Scenario 2: Canceled the credit card immediately after repayment within 3 months of overdue payment

Why do we use 3 months as the standard? Because if you fail to repay even once, you will be late. Even if you have been overdue for three months, you will be blacklisted after three overdue records. Chinese people are very particular about doing things no more than three times. If you cancel your credit card immediately after it is overdue, your overdue record will never be overwritten. If there is no usage record later, the bank will not be able to judge whether you can still repay normally, so the possibility of applying for a credit card here is very small.

How to deal with such a situation

If the overdue amount is not large, you can call the bank where you canceled the card and patiently communicate with the staff, or go to the business office Communicate and see if you can apply for a credit card from this bank and continue to use it. Generally, the bank that has canceled the card may continue to apply for a credit card for you in this situation, but other banks will refuse. In this case, continue to use it for at least half a year seriously. You can still apply again after swiping your card to repay.

Scenario 3: After paying off all credit cards within 3 months overdue, the bank forcibly cancels the card

Probability of successful application: almost zero

If It will be very difficult to apply again after your card has been forcibly canceled by the bank.

Situation 4: Overdue for more than 3 months and paid off the credit card

Probability of application success: low. As long as there are more than 3 overdue records, it is considered a financial black account. I have a friend whose China Merchants Bank card has expired. More than three times, the buyer went to ICBC for a loan, but failed to get the loan. Later, he went to China Merchants Bank to apply for a loan. He said that the bank took special measures to eliminate the overdue records. He was very grateful to the account manager for returning a lot of benefits. In fact, it was not to eliminate the overdue records. It was just because his card from China Merchants Bank was overdue. The internal staff of China Merchants Bank could cover up the overdue records during the review. In fact, the overdue records were still there, so his car loan was still not approved.

3. I have a loan repayment record of 4 times, can I still apply for a credit card?

The bank will not approve the card for you

4. Yes Can I still apply for a credit card if my credit card is overdue? It is very important for people to meet these credit cards if they want to apply for a card, so people often apply for more than one credit card. However, sometimes it may be overdue due to improper use of credit cards. Because the consequences of overdue are serious, many people are worried about it. Will there be any impact on applying for a card if it is overdue? So, can I still apply for a credit card if I have an overdue credit card record? Let’s explain it to you today

Can I still apply for a credit card if I have an overdue credit card record?

An overdue credit card will definitely have a certain impact on applying for a credit card, but you will not be able to apply for a credit card. This mainly depends on the overdue status of your credit card, as well as the subsequent use of the card.

1. The number of overdues is not many

Generally, if you are overdue no more than 3 times, and only overdue 1 or 2 times, and if it is timely, then this situation is not serious. , you only need to use the card normally, then there is no problem in applying for a credit card.

2. The overdue time is not long

Generally, if you are overdue for more than 3 months, you will be blacklisted, so if you are overdue within 3 months and use it in time and for a period of time, For a credit card, you can still apply for a credit card. The limit may not be high. If you want to increase the limit, it is not a problem.

San Chang

If you already have more than one credit card in your hand, and only one of the credit cards is overdue, and the rest are repaid normally, then you only need to pay it back as soon as possible. The repayment ability and consumption ability of clearing the debt will not have a special impact on your application for a credit card

The misunderstanding of applying for a card if there is an overdue record

That’s right, as long as you cancel it This credit card will not be available when you apply for a credit card again, because the bank will always keep your card usage records. Once the bank finds out that you have an overdue credit card record during the review and cancels the credit card, your card application will be certain. It cannot be passed.

The above is the answer to "Can I still apply for a credit card if I have an overdue credit card record?" In fact, as long as your overdue situation is not serious, you pay off the debt in time, and you apply for a credit card later, you can still do it