If the credit card is overdue, the user can apply for a savings card, because there are no credit requirements for applying for a savings card. Regardless of whether the user's credit is good or not, the user can apply for a savings card. Of course, after applying for a debit card, the user also wants to apply for credit business. At this time, the user will not be able to successfully handle such business.

Overdue credit cards will cause the user to have a bad credit report, and if the credit report is bad, the user will not be able to apply for credit business. After a credit card is overdue, it is best for users to pay off the overdue balance as soon as possible, so as not to affect subsequent processing of other credit services. Everyone knows that banks do not require a credit check when applying for a debit card, so an overdue credit card has no impact on applying for a bank card.

As long as your credit card is not included in the list of defaulters after it expires, you can still get a debit card. Compared with applying for a credit card, the requirements for applying for a debit card are not high. Applicants only need to bring a valid ID card and a mobile phone that can receive the verification code. Most of them apply for the card at the counter and pick up the card on the spot. But there is a card fee.

Although an overdue credit card does not affect the application of a debit card, it is recommended that friends who have overdue payments should repay as early as possible. Otherwise, the debit card may be deducted by the bank to repay the credit card, or even the credit business may be rejected. Even if it is overdue several years ago, as long as it is not repaid for one day, the overdue record will not be eliminated. It will be very troublesome for those who apply for credit cards and loans, and there will be some unexpected situations.

There are often examples like this in real life. Someone changed his phone number after the credit card he applied for expired several years ago. I applied for one, but it turned out that the loan was overdue and could not be repaid. Instead, the bank regained contact information and began to collect money from the credit card holder.

The above is the relevant introduction of "Is there any impact on applying for a debit card if the credit card is overdue?" Finally, I would like to remind everyone not to take overdue credit cards seriously, and do not think that small banks will no longer take care of the overdue amount. The result of doing this will only make your credit worse and worse. Sooner or later, you will be unable to get any credit business, and even the debit card you applied for may be debited to repay the loan.