You can apply for a car loan from General Financial.
Analysis:
1. Can apply for a car loan from General Financial.
2. First of all, if a credit card is overdue for 90 days and the credit card is paid off, it is an overdue record, but it does not mean that you cannot apply for other loans. Overdue records in personal credit records mainly have a greater impact on credit card applications, but have less impact on car loan applications.
3. Secondly, as a commercial bank, China Merchants Bank will generally consider the applicant’s income, assets, credit history and other factors when approving car loans, not just the overdue credit card record. .
4. In addition, China Merchants Bank will also decide whether to approve a car loan application based on the individual's overall credit status. If you have good repayment performance after the overdue period, your credit history gradually improves, you have a stable source of income and good repayment ability, you are expected to be approved.
5. Summary: Having a credit card overdue for 90 days and paying off the consumer card does not mean that you cannot apply for a credit card from China Merchants Bank or a car loan from General Financial. When applying for a car loan, China Merchants Bank will consider multiple factors when making an approval decision.
Supplementary information:
According to China's current personal credit system, credit records are recorded and queried on the National Credit Information Sharing Platform. Credit card payments that are overdue for more than 90 days will have a greater negative impact on your credit history and may lead to a decline in your credit score. However, when approving a loan, we not only look at the overdue record of the credit card, but also consider other aspects of the individual's credit status.
In addition, car loans refer to loan services provided by banks or financial institutions to individuals purchasing cars. When applying for a car loan, in addition to credit history, banks will also pay attention to factors such as the borrower's repayment ability, stable source of income, and car purchase qualifications. Therefore, even if you have a credit card overdue record, as long as your overall credit status is good and you have the ability to repay and the qualifications to purchase a car, you usually still have the opportunity to apply for a car loan.
In short, if the credit card is overdue for 90 days and the consumer card is paid off, it is possible to apply for a car loan from General Financial, but the specific approval results will depend on the applicant’s comprehensive credit status and Determined by the bank's policy.