Yes, overdue online loans may affect credit card limit increases. Here are some explanations:
1. Credit score: Overdue online loans will have a negative impact on personal credit scores, and credit scores are one of the important factors in determining credit card limit increases.
2. Bank risk management: Banks will comprehensively consider the borrower's credit status and repayment ability when considering a credit card limit increase. Overdue online loans indicate that the borrower has a history of not repaying debts on time, which may make banks cautious about applying for a loan increase.
3. Debt burden: Overdue online loans cause borrowers to bear additional repayment pressure, which may increase their debt burden. Banks take into account a borrower's existing liabilities when extending additional lines of credit.
Summary:
Overdue online loans may have a negative impact on credit card limit increases, mainly because it has adverse effects on personal credit scores, bank risk management, and borrowers’ debt burdens Influence. Maintaining a good repayment record and actively managing your credit profile are keys to increasing your credit card limit.