Can I get a loan if my credit card is overdue?

It is possible to get a loan even if it is overdue, but the approval rate will be lower. After your credit card is overdue, you must first determine whether you have a credit report. Even if you have a credit report, each bank has different credit requirements. At this time, you can try to apply for a loan, and maybe the bank will approve it. If the repayment is overdue for more than two years, it will not have much impact on the loan.

If you have had three or six credit card failures in the past two years and your credit score has been checked, no matter what bank you are applying for, you will be refused to lend. Therefore, if you want to apply for a loan from a bank, it is best to check your credit report in advance to avoid wasting time.

Loan application process: Usually users prepare information in advance and then submit it to the bank for review. If the bank does not pass the review, the bank will ask the borrower to supplement the corresponding information; if it can pass the review, the bank will negotiate with the borrower. When a person signs a formal loan contract, it is generally necessary to agree on the repayment method when signing the contract, and then the borrower only needs to repay the loan on time.

Before applying for a loan, it is best for borrowers to evaluate their repayment ability in recent years. If the borrower's income increases steadily, there will be no problem in applying for a loan. If the income will decrease, the user It is best not to take out a loan to avoid being unable to repay it in the future.

Can I get a loan if my credit card is overdue?

If the user is overdue, but the overdue record is not uploaded to the credit report, then the user can apply for a loan.

Overdue records will be uploaded to the credit report. Users will not be able to apply for a loan until the overdue records are deleted. Even if they apply for a loan, the loan application will be quickly rejected.

One of the loan application conditions requires users to have good credit. If you have bad credit, you will not be able to apply for a loan.

Overdue records will be retained in the credit report for 5 years after settlement, so the user's credit report can return to normal after 5 years. If you have an overdue credit card, try your best to provide the bank with proof of your repayment ability, such as providing proof of assets in your name, or providing a guarantee.

Can I still apply for a loan if my credit card is overdue?

Loans are available. There are many types of loans, such as credit loans, mortgage loans, pledge loans, provident fund loans, etc. If it is a credit loan, provident fund loan, etc.: if the previous credit card is overdue for more than 90 days, and the overdue credit has been kept good recently after being paid off, it will not affect the loan; if the previous credit card is overdue for more than 90 days, even if it is paid off, it will not affect the loan. If it will affect credit loans, you can only maintain a good credit record, and you can only get credit loans and provident fund loans after 5 years. If you want mortgage loans, pledge loans, etc., as long as the credit card is not maliciously overdue and the overdue credit card has been paid off, the overdue credit card will not have a big impact on the mortgage and pledge loans, and you can proceed with the mortgage loan according to the normal procedures. of.