Can I apply for a credit card if I have an online loan?

Yes, you can apply for a credit card even if you have an online loan that has not been paid off. But you need to make sure that your personal credit record is good and there are no late repayments. Credit card application has little to do with online loans. As long as you have a stable job and a stable income, and if your job buys you five insurances and one housing fund, it will be easy for you to apply for a credit card. But if you have an unstable job and do not have stable repayment ability, even if you apply for a credit card, there is a high probability that it will not be approved.

How to apply for a credit card?

There are different ways to apply for a credit card, and there are different steps according to different ways. The details are as follows:

1. Online application: I bring my original identity certificate and a copy of my work certificate. Please go to a nearby bank branch to apply with supporting documents such as documents and copies of financial certificates.

2. WeChat application: You can follow the WeChat official account of the bank where you want to apply for a credit card, and then you can see "I want to apply for a card" in the bottom column. Click and select the card type you want to apply for, and then follow the Just prompt to fill in the information.

3. Online application: Log in to the official website of the bank's Credit Card Center, select "Apply for a Credit Card", then click "New Customer Application", select your favorite card type and type, and follow the prompts.

4. Telephone application: Call the bank's credit card center customer service hotline, then press "3" to apply for credit card consultation, select "1" to transfer to the service specialist for registration (different banks may be different, follow the voice prompts That’s it), and then notify the local staff to contact you to submit the information and wait for review.

Online loans will affect credit card approval in some special circumstances:

1. If your online loan is overdue and has a credit report, the bank will most likely reject your application; If your overdue payment is very serious and you are included in the list of dishonest persons, that is, you become a black account. At this time, you cannot apply for a credit card at any bank.

2. If the online loan amount is too large, your debt will be too large. The bank will think that your repayment ability has reached the upper limit, and the credit card approval will fail.

3. You commit fraud when applying for an online loan, resulting in a bad record on your credit report. When the bank sees it, it may reject your card application.

Many people may think that if they have a stable source of income, the ability to repay, and a good employer, it is very simple to apply for a credit card or bank loan. In fact, your debt situation is very low. The ten places are displayed in the credit report, and bank credit reviewers can tell at a glance. The only way to solve the negative impact of frequently applying for online loans is to pay off all the online loans shown in the credit report, stop applying for online loans at the same time, and wait about a month for the credit report to be updated before applying for credit cards and banks. The loan will have no impact.

Can I apply for a credit card if I have taken out multiple online loans but have not overdue?

You can apply for a credit card if you have made multiple online loans that are not overdue.

Generally when applying for a credit card, the card issuer will check the personal credit report. As long as there are no overdue records, it is not a big problem.

Credit card approval process:

1. Bank internal evaluation

First, the bank will enter the applicant’s basic information into the internal evaluation system and conduct an evaluation on it. Initial assessment.

If you have done business with the bank before, such as applying for a debit card and credit card, applying for a loan, purchasing financial products, etc., then the bank will be able to know whether you are a high-quality customer of the bank. .

If you are a high-quality customer, your credit card is basically seconds. If you want to become a high-quality customer of the bank, the most direct way is to make a regular deposit of 50,000 to 100,000 yuan, and the card limit is 30,000 yuan guaranteed.

2. Check personal credit report

A credit card is actually a simple credit service. It can be said that there is no difference between applying for a credit card and applying for a loan.

In order to reduce the non-performing rate of credit cards, according to relevant (hard) regulations, banks must query the applicant's personal credit report.

It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or utility bills are not paid on time, or there is a criminal record at the police station, the credit card will be affected. of approval.

3. Personal comprehensive score

Also called credit score, it is given by the credit scoring system of each bank. The level of credit score will directly determine whether the bank will grant credit and whether it will grant credit. amount.

As we all know, the higher the credit score, the greater the chance that the cardholder will apply for the card, and the higher the credit limit obtained, and the credit score standards of each bank are strictly confidential.

4. Credit card holding status

Banks will refer to the applicant's credit status when approving credit cards.

Currently, except for the four major banks and China Merchants Bank, all other banks can apply for a card.

In addition, if the number of credit cards exceeds 5, it will be difficult to apply for a CCB card unless you are very qualified. The CCB salesperson also said that you can apply for a CCB card.

Can I apply for a credit card if I have an online loan?

Yes.

You can apply for a credit card with online loans, but online loans will affect the credit card approval in some special circumstances:

1. If the online loan is overdue and has a credit report, the bank is very The user's application may be rejected. If the overdue payment is very serious, the user will be included in the list of dishonest persons, that is, he will become a black account. At this time, he will not be able to apply for a credit card at any bank.

2. If the online loan amount is too large, the debt will be too large. The bank will think that the repayment ability has reached the upper limit, and the credit card approval will fail.

3. If you commit fraud when applying for an online loan, resulting in a bad record on your credit report, the bank may refuse to apply for a card when it sees it.

Extended information:

Notes on applying for a credit card:

The application conditions for credit cards of each bank are similar. The basic application conditions are that the applicant for the main card must be over 18 years old. Applicants for supplementary cards must be over 16 years old, have a stable job and legal income, have the ability to repay, have good personal credit, and have no bad credit record.

Applicants must have a stable job and legal income, and have a certain ability to repay.

The personal credit report is good and there is no bad credit record, especially no credit cards, overdue loans, cash out, etc.

Of course, these are the most basic conditions. Even if these conditions are met, it may not be 100% approved. In addition, some card types require special conditions, such as assets reaching a certain scale, etc.