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Can I be a guarantor if I have a house and a car but my credit card is overdue?
1. Anyone who has the ability to pay for it can be a guarantor. The overdue credit card has no effect on becoming a guarantor.

2. If the repayment on behalf of others is actually insolvent, but has provided a guarantee for others, the guarantee is valid and shall bear the guarantee liability.

Guarantee law

Article 7 A legal person, other organization or citizen who has the ability to pay off debts on his behalf may act as a guarantor.

Supreme Court's Interpretation of Guarantee Law

Article 14 If a legal person, other organization or natural person who does not have full compensation capacity enters into a guaranty contract as a guarantor, the people's court shall not support it.