If the online loan listed on the credit report is overdue, it will have no impact on the use of the credit card. It can only be used if the credit card is frozen due to overdue payments, etc.
According to Article 52 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", the card-issuing bank shall establish a credit card business risk management system. The card-issuing bank learns from the public security organs, judicial organs, the cardholder himself, relatives, transaction monitoring or other channels that the cardholder's identity document has been stolen, his family's financial situation has deteriorated, his repayment ability has declined, his reserved contact information has expired, and his credit status has deteriorated. , when there is risk information such as abnormal card usage behavior;
You should immediately stop operations that may increase credit risks, such as increasing the credit limit, authorizing card services beyond the credit limit, authorizing installment business, etc., and take measures to increase transaction risk as appropriate. Risk management measures such as monitoring intensity, reducing credit lines, stopping payments, freezing or implementing second sources of repayment.
Extended information:
Article 92 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Commercial banks shall implement classified management of credit card risk assets. The classification standards are as follows:
(1) Normal category: The cardholder can repay the amount payable in full before (and including) the due repayment date in accordance with the pre-agreed repayment rules.
(2) Category of concern: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is between 1 and 90 days (inclusive).
(3) Sub-category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 91-120 days (inclusive).
(4) Suspicious category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days is 121-180 days (inclusive).
(5) Loss category: The cardholder fails to repay the amount payable in full on the due repayment date according to the pre-agreed repayment rules, and the number of overdue days exceeds 180 days.
Commercial banks are encouraged to adopt a more prudent classification of credit card assets on the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been approved by the China Banking Regulatory Commission and its relevant agencies. standards, continue to pay attention to and regularly compare important risk management indicators related to reserve accrual, risk asset measurement and other aspects, and take corresponding risk control measures.
Article 94: Card-issuing banks shall continuously monitor changes in the quality of credit card risk assets, and the provision of relevant reserves shall comply with the regulations of relevant national departments.
Baidu Encyclopedia - Measures for the Supervision and Administration of Credit Card Business of Commercial Banks