You can also apply for a credit card if you have an online loan, but it depends on whether the online loan you borrowed is connected to the central bank's credit information system.
Whether you can get online loans or not has little to do with credit cards, unless you apply for online loans and have access to the central bank's credit information system.
If the applied online loan is connected to the central bank's credit information system, there are too many applications for such online loans and the personal debt ratio is too high; Or there is overdue behavior when repaying such online loans, which leads to bad information recorded on credit information, which affects the approval of credit cards, and credit cards are likely to be invalid.
However, in the case of online loans accessing the central bank's credit information system, in fact, as long as customers repay well, they will avoid overdue behavior; And ensure that they will not borrow frequently, resulting in excessive debt ratio; Individuals who meet the requirements for bank cards can generally apply for credit cards successfully.
Of course, for those online loans that are not connected to the central bank's credit information system, the repayment of loans generally has no effect on the handling of credit cards. After all, the borrowing and repayment of such online loans are usually recorded by big data. Credit card approval is mainly to review the customer's credit information, and there is no direct contact.
However, no matter what the situation is, it is impossible to apply for a card if the customer does not meet the conditions set by the bank. For example, the age is not up to standard, the level of asset return is not enough, and so on.
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Requirements for applying for a credit card:
1. Applicants must be over 18 years old.
Two, the applicant should have a work unit and a stable income.
Three, the applicant's personal credit should meet the requirements of the credit card center.
Four, the applicant should have a fixed residence.
Can I apply for a credit card with an online loan?
Of course.
There are online loans for credit cards, but online loans will affect the approval of credit cards in some special circumstances:
1. If the online loan is overdue and the credit is received, the bank is likely to reject the user's application. If the overdue period is very serious, it will be included in the list of untrustworthy people, which means it will become a black account. At this time, it is impossible to apply for a credit card in any bank.
2. Too many online loans lead to too many debts, and banks will think that the repayment ability has reached the upper limit, and credit card approval will fail.
3. There are fraudulent behaviors when applying for online loans, resulting in bad records in credit reporting. When the bank sees it, it may refuse to apply for a card.
Extended data:
Matters needing attention in applying for a credit card:
The credit card application conditions of different banks are similar. The basic application conditions are that the main card applicant 18 years old or above, and the sub-card applicant must be 16 years old or above, with stable work and legal income, repayment ability, good personal credit information and no bad credit record.
Applicants should have a stable job and legal income, and have certain repayment ability.
Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.
Of course, these are the most basic conditions, and even if they are met, they may not be 100% passed. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.
People's Network-What information should I pay attention to when applying for a credit card?
There are too many online loans. Can I get a credit card?
You can apply for a credit card, but it is basically difficult to pass.
At present, the online loan products on the market have basically registered credit information in banks. You can check your credit records to see if you have many records of inquiry and use. If you have many records, you can hardly apply for a bank credit card. Banks will list users with too many inquiry records as risk users, so you need to re-maintain your personal credit information.
Let me talk about the problem of online lending first.
Many young people especially like to apply for online loans, on the one hand, because the application threshold for online loans is relatively low, and at the same time, online loan applications are more convenient. However, online lending actually has many hazards. Online lending will not only increase a person's debt burden, but also hurt a person's personal credit information. To some extent, applying for online loans is harmful. The first thing you need to do is to pay off all online loans and stop touching such products.
Second, users with too many online loans cannot apply for credit cards.
This truth is also very simple, because all online loans have bank credit records. Whether you officially use online loan products or not, every inquiry record of you will be reflected in your personal credit information. When you apply for a personal credit card, the bank will comprehensively evaluate your credit level. If you have too many inquiry records, your credit risk will be higher, so banks generally will not approve cards.
Third, you need to face up to your personal credit problem.
Although applying for online loans is a trivial matter, it will seriously affect your personal credit information. You may not need to spend a lot of money now, but when you do, you will find that your personal credit information will seriously affect your lending behavior. In other words, it is difficult for people with poor credit information to deal with banks, because banks will list you as a risky user and will not lend you money at great risk.
Therefore, people with too many online loans basically can't get credit cards, and personal credit records are generally kept for 3 to 5 years. You need to protect your personal credit carefully during this time.
Can I get a credit card if I apply for more online loans? The article will give you a simple understanding.
In real life, many people apply for a lot of online loans because of lack of money, and later want to apply for a credit card, but if the online loan has not been paid off, they are worried that the credit card will be rejected. Then, can I apply for a credit card if I apply for more online loans? Here is a brief introduction.
Can I get a credit card if I apply for more online loans?
More applications for online loans will have a certain impact on running credit cards, especially those with credit information. After all, these online loan applications will be investigated. Even if it may not be approved, it will leave a query record on the credit report. When approving credit cards, banks should also refer to the number of inquiries in the credit report and treat different inquiries differently.
If the applicant's credit record has been queried more than 10 times within 6 months, the frequency is relatively high. If the applicant's qualification is average, the possibility of being rejected because of this query number is about 90%. In addition, some banks use hard query time. If the number of inquiries exceeds 3 times in the last three months, it will be rejected directly.
After all, in the eyes of banks, the number of hard inquiries about credit reports also proves that cardholders have high demand for loans and frequently apply for online loans, and banks will mistakenly think that applicants are in desperate need of funds. Will question the applicant's repayment ability and dare not approve the card, even if the amount approved is not very high.
A friend has a good credit situation, but is short of money, so he applied for five credit information online loans within one month and left five inquiry records on the credit information report. Although only 1 was passed, because this credit card was also rejected, the answer given by the consulting customer service was to check her personal credit report several times within one month.
In short, more online loan applications are not good for handling credit cards. Therefore, if you want to apply for a card smoothly, it is recommended not to apply for an online loan with credit information within six months, which may be rejected by the bank because of too many credit information checks.
Can I apply for a credit card with an online loan?
You can apply for a credit card if you have an online loan, but the record and bad behavior in the process of using the online loan will have a certain impact on the rate and credit card limit of applying for a credit card. In addition, there are many criteria for credit card review, such as income, personal credit, and card use in other banks. If there is a requirement for the amount, you can try to handle it at the outlet.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
main feature
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and social demand.
Basic requirements for handling credit cards:
1, aged between 18 and 65;
2. Have a stable occupation and income;
3. Have good credit and the ability to repay the principal and interest on time;
4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).
Consequences of overdue credit cards
1. There is an interest-free period after the credit card is overdue, which is about 20 to 50 days. There is no interest during this period, but if it is not paid back after this period, there will be interest. Besides the principal, you have to pay interest.
2. If it is overdue, it may affect your personal credit information, and your information will be uploaded to the central bank's credit information system, thus becoming a faithless person, which will have a great impact on your taking the high-speed train and buying a house and car in the future.
3. If the overdue period is serious, it will be characterized as malicious overdraft of the credit card, and you will have to bear criminal responsibility and be sentenced, which will bring great troubles to your life.
Can I get a credit card through online lending?
If you apply for too many online loans, but repay them on time in each installment, you can only say that the user's debt ratio is high, but you can still try to apply for a credit card. If the user's online loan has an overdue record, then he can't apply for a credit card. Because one of the necessary conditions for applying for a credit card is that the applicant has good credit information. Once the credit information is not good, the application for a credit card will be rejected directly.
Of course, for users, excessive online loans will lead to high debt ratio, and personal debt ratio will directly affect the credit card approval results.
Extended data:
Credit card application conditions:
The credit card application conditions of all banks are similar, and the basic application conditions are as follows:
1, applicant's age
The main card applicant must be 18 years old or above, but the maximum age limit of each bank is different. For example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are all 60 years old. Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old.
Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.
2. Personal economic strength
Applicants should have a stable job and legal income, and have certain repayment ability.
3. Credit information
Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.
Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.
Too many credit card applications will affect:
First of all, credit reports are too expensive.
If you keep applying for a credit card, because every time you apply for a credit card, the bank will check the credit, so this will lead to too many credit records. Once the credit is spent, applying for a credit card or loan in the future will be affected.
Second, the burden is heavy and difficult to manage.
If you apply for too many credit cards, because you hold too many credit cards, the annual fee will accumulate, causing a great burden. Moreover, it is not easy to manage multiple credit cards. In particular, the repayment time of each card may be different, and it is easy to overdue the repayment due to negligence.
Third, the total credit line is high.
Too many credit card applications will lead to too high total credit line, while the total credit line of an individual in a bank is limited, so too many credit card applications will also affect the subsequent card application to a certain extent, and may also lead to too low credit card line applied for later.
Fourth, the liquidity is convenient.
Although too many credit card applications may have many bad effects, too many credit card applications will also facilitate your capital turnover. If one credit card is not enough, you can use multiple credit cards for transactions.
Let's stop here for the introduction of how many online loans can apply for credit cards.