1. The influence of overdue credit records on credit card applications varies due to many factors, including overdue time, overdue times and overdue amount. Generally speaking, serious overdue records for a long time will have a greater negative impact on applying for credit cards.
2. Banks usually refer to personal credit scores when reviewing credit card applications. Overdue credit records will reduce the credit score, thus increasing the difficulty of obtaining credit card approval. A lower credit score may result in the application being rejected or a lower quota being obtained.
3. The overdue records are kept in the credit report for a period of time, generally ranging from one to five years, depending on the overdue situation. As time goes by, the influence of overdue records will gradually decrease, and establishing a good credit history can also improve the credit score.
conclusion: despite the overdue credit record, you can still apply for a credit card. However, the application results may be affected, including the probability of approval and credit limit. It is suggested that the overdue payment should be paid off in time, and the credit score should be improved by establishing a good credit history, thus increasing the possibility of obtaining credit card approval.
Extended information: the overdue record of credit investigation refers to the record that an individual fails to repay debts on time in credit business such as loans and credit cards. These records will be recorded in the personal credit report and included in the credit score. When banks and financial institutions examine credit applications, they often refer to personal credit reports and credit scores to assess their credit risk and repayment ability.