If I owe money on my credit card, can I get it?
You can apply for a credit card with debts, but it is best not to be overdue, and the debts cannot be too much, otherwise you may not be able to apply for a credit card.
Therefore, if the credit card is in arrears, it is best to look at the repayment situation first. If the credit card is overdue, or it is not overdue at present, but there is an overdue credit record within two years, it is impossible to apply for a credit card, because the applicant's credit information is seriously bad, and the bank will not give the card. You need to pay off your credit card before applying for it.
If the credit card debt does not exceed the prescribed repayment time, and there are no other overdue credit reports at present, and occasionally it is paid off once or twice overdue, you can apply for a credit card. However, it still needs to be judged in combination with the specific amount owed. In fact, it is to compare all the arrears on the credit report with the income and calculate the personal debt ratio. If it does not exceed 50%, there is still a chance to approve the card.
It can be seen that the credit card is best not to be overdue, and the amount owed is not large. It is better to apply for a credit card when the debt ratio is kept within 50%. If you want to improve the success rate of card handling and have assets under your name, it is recommended to choose offline outlets to handle cards and provide relevant financial certificates to show your economic strength and let banks know that they are fully capable of repayment.
The above is "Can I get a credit card if I owe money?" I hope it will help everyone.