1. Can I still get a loan if my credit card (credit card) is overdue for 90 days?

It is serious for a credit card (debit card) to be overdue for 90 days, but it does not mean that you will not be able to get a loan. Bank loans generally check the customer's credit record for the past two years. If your overdue record is from two years ago, it will not have much impact. You only need to provide proof of financial resources and income that can prove your ability to repay. If the overdue record is within 2 years, it may be difficult to get a loan. If you have paid off the overdue amount and have been using a credit card (debit card) within 2 years and repaid on time, the bank may approve you, but Maybe the interest rate is higher. If the overdue amount is not repaid, the bank will directly refuse your loan.

Personal credit is very important. It is recommended that you do not overdue easily and develop a good credit record. This will make it easier to get a loan or apply for a credit card (debit card).

2. Can I still apply for a loan at the bank if my credit card is overdue for 90 days?

If it is the only time to pay it off now, the impact will not be too big, but there will definitely be some impact, such as the loan The amount should be lower, more information required, and the review stricter. Pay it off as soon as possible, the longer it is, the worse it will be.

3. Can I still apply for a loan at the bank if my credit card is overdue for 90 days?

1. If my credit card is overdue for more than six times in two years, I cannot apply for provident fund. If a loan, personal credit card or loan is overdue for three consecutive months, or has been overdue more than six times within two years, you will not be able to apply for a provident fund loan. At present, when banks or provident funds handle credit business, they mainly rely on the credit record of the borrower in the past two years. Therefore, cardholders who plan to apply for provident fund loans to buy a house should not use credit cards easily for consumption, and must ensure timely repayment.

2. If the personal credit report is bad, the commercial loan interest rate will be raised. If some people who want to borrow money to buy a house have had many overdue credit cards, the personal credit report will be bad. Then you definitely cannot apply for a provident fund loan, and you can consider using a commercial loan. However, due to the impact of past bad credit records, most banks will increase the base interest rate by at least 10%. Of course, if your overdue payments are serious and frequent, the bank will not approve your loan application.