Overdue credit cards have a certain impact on the application of mortgage loans:

1. If the credit card has been overdue many times, resulting in a bad personal credit report, then it is definitely not allowed. When applying for a provident fund loan, you can consider using a commercial loan.

2. Due to the impact of past bad credit records, banks will increase the base interest rate by at least 10%. If the overdue loan is very serious and occurs too many times, it will be difficult to apply for a commercial loan.

3. Don’t blindly cancel the credit card you are using, make sure to consume rationally and repay the loan in full and on time. The bad credit record will be automatically eliminated after five years.

4. Users can generally first go to Yingxin Kuaicha to obtain a personal credit big data report, check loan records, whether it is overdue, whether it has been blacklisted, etc.

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Extended information:

What are the consequences of an overdue credit card?

1. Overdue credit cards will generate bad records and interest. The occurrence of bad records will have an impact on financial services such as car loans and housing loans.

2. The overdue credit card amount is relatively small, which will affect the credit record.

3. If the overdue credit card amount is relatively large, resulting in malicious debt, the bank will prosecute. If the credit card overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft, and request the court to enforce the case. Malicious overdrafts will result in criminal liability.

4. Malicious overdraft refers to the illegal possession behavior in which the cardholder exceeds the prescribed limit or overdrafts within the prescribed period and fails to return the card after being called upon by the card-issuing bank.