Specifically, the following is a detailed explanation of this problem:
1. Failure to pay back for three months will have a negative impact on future credit records. The bank will submit the overdue records to the credit bureau, which will reduce your credit score and affect your credit status in future lending and card handling.
2. However, if you can repay the loan in accordance with the law and abide by the regulations on the use of credit cards, your credit status can be gradually restored. According to your good credit performance, the bank will give you some opportunities to improve your credit limit.
3. In addition, you mentioned that you have credit cards from seven banks, so other banks may review your credit card application. Theoretically, overdue records will have a certain negative impact on applying for a new credit card. However, if you can show good credit performance in the future, such as timely repayment and stable use, other banks may still handle new credit cards for you.
to sum up, if you return to normal after three months overdue and abide by the credit card regulations, you may get the opportunity to increase your credit limit, and continue to apply for credit cards from other banks. However, it should be noted that the use of credit cards needs to be cautious, and maintaining a good credit record is very important for future lending and card handling.
Supplementary information:
Banks and credit reporting agencies have strict supervision and regulations on the record of overdue repayment. Overdue repayment will be submitted to the credit reporting agency, which will have a long-term impact on the personal credit status. Therefore, when using a credit card, you should keep a good credit record to avoid overdue repayment, so as to maintain your good credit status. At the same time, if there are overdue records of credit cards in different banks, it may have a greater negative impact on future lending and credit evaluation. Therefore, it is very important to repay overdue funds in time.
Summary:
Failure to repay the loan for three months will have an impact on the use, withdrawal and handling of credit cards, which will reduce the credit score and make it difficult to withdraw the loan and handle a new card. However, if you return to normal and use your credit card well, and you can show good credit performance, you may still get the opportunity to withdraw money and apply for a card. When using a credit card, you should abide by the regulations and keep a good credit record to maintain your personal credit status.