Let's look at a case first:
Recently, some netizens said that due to overdue repayment of credit cards, the amount was not much, only a few tens of yuan. However, they bought their own houses, but the mortgage interest rate was raised by about 10%, and the mortgage interest expense was 10 million yuan.
In real life, this situation does exist. It is really unacceptable to pay hundreds of thousands or even hundreds of thousands of mortgage interest because of the arrears of tens of yuan in bill repayment.
In view of this situation, we think it is necessary to talk about the rules of credit cards.
1. How to check the credit of bank loans?
Generally speaking, the bank will retrieve the user's personal credit report through the central bank's credit information center, which records the applicant's credit card normal repayment record and overdue repayment record in detail.
It should be pointed out that credit card overdue does not refer to the number of overdue times, but only the cycle. When reviewing personal credit records, banks will find that if there is overdue, a person will be marked with 1, 2, 3, 4, 5, 6 and other numbers. , representing one month and two months respectively. Generally, the bank will not take care of it within one month and will consider it after two months. Three months or more will basically refuse to lend, which will affect the application for personal loans to buy a house.
2. Overdue repayment does not mean that the loan cannot be made.
The bank's credit review of mortgage applicants depends not only on the applicant's credit record, but also on the applicant's financial contribution, that is, the degree of contribution or participation in the bank's credit business, and will not reject the mortgage application because there is a credit card overdue repayment.
From this point of view, users who occasionally have a credit stain once or twice have a higher credit rating than users who only deposit and do not lend.
Under normal circumstances, banks will not lend money if the accumulated overdue amount reaches 6 months or the continuous overdue amount reaches 3 months. Unless the applicant can provide evidence of unintentional overdue repayment, the bank may be lenient.
3. What if the credit card is overdue?
There is no remedy for overdue credit cards. At present, the bank's credit records are only kept for two years, which means that the credit card use is normal within two years. After the overdue situation occurs, the repayment will be made in full and on time every month within two years. With the passage of time, the bad credit record will be eliminated and the personal credit record will return to normal.
Especially if you have a negative record by accident, don't cancel the card, because after canceling the card, there will be no new credit consumption record and repayment record, your credit record will stay in the overdue record, and the bank's credit review of the mortgage applicant will stop here, which is very unfavorable to the applicant.
4. How to prevent overdue?
A. pay attention to the monthly bill
If credit card users are afraid of missing or delaying repayment, they should turn on the credit card bill reminder function. If you don't care about texting, there's nothing Bian Xiao can do.
B. Binding with salary card
It is a good choice for lazy people to bind the credit card with the salary card and turn on the automatic repayment function, but you have to ensure that there is enough money in the card.
C. Check credit records from time to time
Everyone has the opportunity to check their credit report for free, because they know the process and method from the bank in time and find it early.
There are two ways to query credit records: 1. With my ID card, I will apply to the local China People's Bank Office for on-site inquiry. 2. Enter the "Internet Personal Credit Information Service Platform" of the central bank's credit information center.
Although credit card consumption, but do not produce credit stains, otherwise, as at the beginning of the article, paying hundreds of thousands of mortgage interest will not be worth the candle.
(The above answers were published on 20 16-05-24. Please refer to the actual situation for the current purchase policy. )
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