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Will the overdue Home Credit cash loan affect the credit card application?

Overdue home credit cash loans will affect credit card processing.

Home Credit is a consumer finance company approved by the China Banking Regulatory Commission. It will be connected to the central bank’s credit reporting system and will also be listed on the credit reporting system. But as long as the repayment is on time and there is no overdue payment, it will not affect the application or the application for a credit card; however, if the repayment is overdue, it will affect the application for a bank credit card.

Extended information:

Notes on applying for a credit card:

1. You must first understand what a credit card is, how to use it, and how to charge and calculate interest. of.

2. When applying, it is recommended to go directly to the bank to apply. Now there are counters for applying for credit cards in the lobby of banks.

3. You need to fill in an application form. The information you need to provide include a copy of your ID card, a copy of the certificate of residence, and a bill for public utility expenses of the place of residence (or Mobile phone bill), work certificate (or business card or work permit printed by the company), income certificate issued by the unit (or salary slip records for the past six months, or income tax payment certificate for the past six months).

4. Credit cards consume first and then repay. Do not use credit cards as debit cards. Credit cards do not have interest on deposits. In addition, you must pay attention to repaying your credit card debts on time. Overdue payments will not be repaid. It will affect your credit record and cause a lot of trouble for future loans.