Influence. Credit card overdue will affect the loan, but it is not overdue once or twice, and the bank will directly refuse the loan. Only cardholders who are judged to be maliciously overdue will be blacklisted and there is no way to lend. Credit cards are overdue only once or twice. The bank verified the situation clearly. If it is not maliciously overdue, the cardholder will pay off the arrears in time. Ordinary banks will not refuse loans, but may raise the loan interest rate appropriately. Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect. The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank. Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account! When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date. Credit card late fee refers to the late fee that the cardholder needs to pay for the unpaid part of the minimum repayment amount when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount. It is understood that the proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount set is not the same. The legal basis of the credit card late payment clause is Article 22 of the Measures for the Administration of Bank Card Business, that is, the issuing bank shall charge the credit card holder a late payment fee of 5% of the outstanding minimum repayment amount. Logically speaking, every legal norm consists of two parts: behavior mode and legal consequences. It can be seen that the behavior of this legal norm is not to repay the minimum repayment amount, and the legal consequence is that a late fee should be charged at 5% of the unpaid part of the minimum repayment amount. Obviously, this legal consequence is that the credit card collection contract between the issuing bank and the cardholder is in breach.

2. Will credit cards with overdue repayment records affect loans?

There will be overdue repayment records in the bank credit record! Once it won't affect the loan! You haven't been blacklisted! It's okay! ! ! Rest assured that the loan! ! !

3. Can I still get a loan if my credit card record is overdue twice?

Yes,