1. My credit card has been overdue for 11 times and I cannot get a loan to buy a house, but my deposit cannot be refunded. What should I do?

There are 11 overdue payments on my credit card credit record. , cannot apply for a loan. The consequences of overdue repayment of a bank credit card: penalty interest; bad credit record; being called upon by the lending institution; disposal of borrower and guarantor assets; in serious cases, possible imprisonment.

2. If you have a credit card default record, can you still get a mortgage?

No, once the money is repaid, as long as the bad record period has passed, the bad record will be cleared automatically.

3. Can I get a loan if my personal credit report is overdue?

There are many situations such as outstanding credit arrears and overdue credit arrears that have been cleared. Borrowers need to carefully understand whether the loan will be allowed and what the approval limit will be!

1. The current overdue debt has not been settled

This situation will basically be rejected immediately, regardless of the size of the bank, regardless of the type of lending institution. If it is a slight overdue situation caused by your own carelessness, such as within the "time limit" of the credit card (1-3 days of credit card overdue), or if the number of overdue days is relatively small and the funds owed are relatively small, you can Settlement immediately.

2. The overdue debt has been settled

If the current debt information is not displayed on the credit report, the overdue debt has been settled, and it must be judged based on the situation. The loan can be obtained within a short period of time. For most cases, only after the overdue debt is completely paid off and the credit report shows "settled" status, and the credit report is automatically refreshed for five years, future car and house loans will not be affected. .

If the number of overdue debts is relatively small and the overdue circumstances are relatively minor, even if there is no rolling period of five years, it is possible to apply for a loan and get approval, but the loan approval amount and interest rate may be different. Improved. In this case, some banks may allow the debtor to apply for a credit card and grant a certain limit.

If the credit report of overdue debts has formed a problem of "three in a row and six in a row", there is nothing that can be done about the "black" credit report. If there are too many inquiries from institutions on the credit report, or there are too many inquiries by oneself, it is easy to be judged by the bank as "urgent need for money", resulting in a "credit report waste" in the traditional sense. It is difficult to apply for loans from various financial institutions. It will also have extremely adverse effects.

To sum up, credit reporting has played an increasingly important role in our daily lives and needs to be paid attention to by each of us. In fact, you should know more about the different statuses that appear on the credit report. It is not as everyone thinks that as long as there is a bad record in the credit report, it will affect the normal loan approval and limit.