1. Can I still get a loan if my credit report shows that my credit card is frozen? There are two situations!
The credit society attaches great importance to everyone’s credit report, especially when applying for a loan. Checking the credit report is one of the necessary processes for banks to approve loans. The credit report will show the borrower's credit card, loan repayment history and status. For example, if someone's credit report shows that their credit card is frozen, they are worried that it will affect their loan. Let's take a look below.
Can I still get a loan if my credit card is frozen? As we all know, there are two main reasons for credit card freezing. One is freezing due to serious overdue use, and the other is freezing due to illegal use of the card. 1. If the credit report is overdue and frozen, in addition to recording the credit card status as "frozen", the overdue record will also be displayed, and the overdue degree will be marked several times. If there are 6 "1"s or 1 "3" marked, ", the former means that it has been overdue for 6 times in total, and the latter means that it has been overdue for 3 consecutive months, which is equivalent to being a black account. If you are seriously overdue like this, you will not be able to get a loan even if you pay off the debt. Every application will be rejected directly. You have to wait at least 2 years before you can get a loan. It is best to wait until the overdue record is eliminated after 5 years. If you get a new loan and there can be no overdue loans during the period, there won't be a big impact. 2. If the card is frozen due to illegal use, the credit report will only show the credit card status as "frozen" and there will be no overdue records, so the impact on the loan will be relatively small. When the bank checks the credit report and sees that the borrower has no bad records on his credit report, has small credit liabilities, and has a decent repayment ability, the bank will most likely approve the loan. However, if the average usage limit of the borrower's credit card in the past 6 months is relatively high, exceeding the income, but the borrower can repay the loan on time every month, the bank will suspect that the applicant is suspected of cashing out, or is repaying the card, and the loan risk is very high. If it is large, the loan may also be rejected. The above is the relevant introduction to "Can I still get a loan if my credit report shows that my credit card is frozen?" I hope it will be helpful to everyone.
2. Will the credit card freeze be shown in the credit report? Will it affect buying a house or car and getting a loan?
The credit report shows that the credit card freeze may be caused by long-term overdue payment, which will have an impact on the loan, because bank loans have strict requirements on credit information; under normal circumstances, bank loans have strict requirements on credit information. Requirements: There cannot be one overdue event currently, there cannot be two overdue events in half a year, there cannot be two consecutive overdue events in one year, and there cannot be three consecutive overdue events in two years, with a total of 6 overdue events. Documents required to apply for a bank loan: 1. Valid identity document; 2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marital status; 4. Bank statements; 5. Proof of income or proof of personal assets; 6. .Credit report; 7. Loan usage plan or statement; 8. Other information required by the bank. Required conditions for a bank loan: (1) A person who is over 18 years old and has full civil capacity, a permanent urban resident registration or a legal and valid resident identity certificate. Bank loans require that the borrower is generally between 18 and 60 years old; (2) ) Have stable legal income and the ability to repay interest; (3) Other conditions required by the lending bank. The procedure is generally divided into three steps: (1) The customer submits basic information, including work unit and contact number. (2) The lending bank or company checks the customer's credit information, including whether the customer's credit rating has any illegal records. For self-employed individuals and small and medium-sized enterprises, they also need to investigate their business operations. (3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.
3. Can I still get a loan if my credit card is frozen?
It is not canceled, but frozen. If it is still up, you can continue to use it. It is best not to exceed 90 days. If it exceeds 90 days, you will not be able to use it.
4. Will the credit report show that the credit card has been frozen?
Yes, it will be reflected in detail. The company generally does not have very formal criteria for judging, and it mainly depends on your income and collateral.
According to the standard of regular banks, once the application is overdue three times, it will not be processed.