Can I get a loan if my credit card is overdue? Is it possible to get a loan if it is overdue twice?

Friends who often use credit for consumption must keep a good repayment record, and there are always those who have a bad memory. People forget to pay off their credit cards on the due date. Everyone knows that credit card repayment is related to credit reporting, so can I get a loan if my credit card is overdue?

Overdue credit cards will affect loans, but banks will not directly deny loans if they are overdue once or twice. Only cardholders who are judged to be maliciously overdue will be blacklisted by the bank. No way to get a loan.

1. You can still get a loan if your credit card is overdue twice

Only one or two times when your credit card is overdue. The bank will verify the situation clearly. If the overdue date is not malicious, the cardholder will pay the debt promptly. Generally, banks will not refuse the loan if you pay it off, but they may increase the loan interest rate appropriately.

2. There is hope for serious non-malicious overdue credit cards

Three consecutive or six cumulative credit card overdues within two years are relatively serious. Banks will refer to an individual's number of overdue payments in the past two years when approving loans. Generally speaking, if a loan applicant has three consecutive overdue repayments within two years, or a cumulative six overdue repayments, he or she will not be able to obtain a loan. If the applicant can provide proof that there is no intention to overdue, some banks may be lenient.

3. There is no way to get malicious overdue loans

Banks will not approve loans to customers with malicious overdue loans. Cardholders can only wait for the central bank's credit center to clear the bad loans after 5 years. Credit record, and if you can maintain a good credit record within these 5 years, you can apply for a loan again.

Reminder

Of course, if you hold a credit card and continue to maintain good consumption and repayment habits, it will also add points to your personal credit. If you are still new to credit cards, you might as well apply for a credit card!

Can I still get a loan if my credit card is overdue twice?

Can I still get a loan if my credit card is overdue twice? Although overdue credit cards will leave bad credit records on personal credit reports and affect loan approval, not all loan platforms are hopeless.

General banks and lending institutions that are connected to the central bank’s credit reporting system will check borrowers’ credit reporting. However, lending institutions and platforms that are not connected to the central bank’s credit reporting system usually have lower thresholds and mainly rely on big data. and platform risk control, so even if there are two overdue records on the credit report, it will not absolutely affect the borrower's loan approval on these institutions and platforms.

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Consequences of overdue credit cards:

1. High penalty interest and liquidated damages will be incurred. Credit cards will not be charged as long as the payment is made before the repayment date. Interest, if you use a credit card to withdraw cash and overdue after a large amount of consumption, not only interest will be generated, but there will also be penalty interest and liquidated damages. The penalty interest is 50,000 per day, and the amount of arrears is as high as 400,000. Penal interest will be charged during the four-year period. Liquidated damages are huge.

2. By the bank, the overdue credit card will eventually be charged by the bank, and the overdue amount is 400,000 yuan. If you refuse to repay after multiple collections, and you are able to repay, you may be suspected of malicious cash-out, and ultimately The consequence is jail time.

3. It affects your own credit report. Credit card is a business launched by banks. If it is overdue, your own credit report will be reported. Generally speaking, as long as it is overdue more than 6 times or one time is overdue for more than three months, it is considered a credit report. Users with serious overdue credit, as long as 4 years overdue, have been included in the credit blacklist. Later, they will be restricted from flying, high-speed rail, and applying for loans at banks.

4. If the cardholder is overdue within one month, the bank will use phone calls or text messages to notify the borrower of timely repayment. Otherwise, the credit report will be issued and the user will also face a high amount. penalty interest. During this month, the bank will not take other measures to require users to repay.

5. If the cardholder is overdue for more than one month or even longer, the bank will outsource the collection task to a third-party collection company. Third-party collection companies are not limited to phone calls or text messages. Third-party collection companies will contact the borrower's family or friends, which will have an impact on the borrower's life.

If your credit card is overdue twice, will you be unable to get a loan to buy a house in the future?

If your credit card is overdue twice, will you be unable to get a loan to buy a house in the future?

Credit Card If there are only two overdue periods, each overdue period is less than 30 days, it will not affect the subsequent house purchase loan.

Some people apply for credit cards and seldom use them. When the credit card is overdue, they plan to use the credit card completely and simply ignore the credit card, neither making repayments nor canceling the card. This approach is very wrong. If you continue to fail to repay, there will be an overdue payment every month, which means that you will have a bad credit record every month. And if you don't repay for many consecutive months, the bank will be found guilty of malicious arrears. Your credit record will be even worse, and the amount of arrears will become larger and larger. In serious cases, you will be sentenced to fines.

If the credit card debt is not paid overdue, the credit card center of the issuing bank will collect the money. Due to ignorance and blind arrogance, some people not only refuse to repay the loan, but also "escape" by changing their address, mobile phone and other contact information so that the bank cannot contact them, thinking that the bank can't do anything to them. In fact, this approach is very wrong and absolutely undesirable. When you apply for a credit card, your real-name information has been recorded by the bank. Once you "run away", the bank will determine that you have malicious overdrafts and arrears, and will call the police, who will list you as a wanted criminal.

It is possible, but there will be some congestion due to overdue records. But the problem is not serious and will be eliminated automatically after 5 years. As long as you keep good repayment records, you'll be fine.

If you apply for personal first-hand housing loan business with Bank of China, you need to meet the following borrower conditions: 1) Have a permanent residence or valid residence status in China (foreigners can also apply, please refer to various places for specific conditions) Relevant regulations; 2) Have stable career and economic income, good credit, and the ability to repay the principal and interest of the loan; 3) Have signed a contract or agreement to purchase a house. When purchasing off-plan houses (the main structure of multi-storey residential buildings must be capped, and high-rise residential buildings must complete two-thirds of the total investment) or houses whose ownership has not yet been confirmed, complete building construction and sales certification documents must be provided; 4) Must pay a fee that meets relevant regulations. The down payment for the house being purchased; 5) Provide an effective guarantee approved by the lender; 6) Other conditions stipulated by the lender. Since there are certain differences in various regions, please consult the local agency when applying for a loan. If you have any questions, please continue to consult Bank of China’s online customer service. You are welcome to download Bank of China mobile banking or follow “Bank of China Micro Banking” to handle business. Bank of China online customer service: 95566.boc./ZIM/Mobile Banking Download: bankofchina./ebanking/service/cs1/201009/t20100921_1151946. Online loan application: ebsnew.boc./boc15/loginPreLoan.?locale=zhv= 20180518020405613

My card has two overdue records. Will I not be able to get a loan to buy a house in the future?

Hello, if there are only two overdue records, you can still apply for a loan as long as it does not exceed 90 days. Please also keep a good credit record and be informed.

If you have two overdue records, will you not be able to get a loan to buy a house in the future?

Will there be any consequences for the loan money:

1. You really have no ability to repay. If necessary, you should negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to fulfill the judgment within the performance period after winning the lawsuit, it will apply for compulsory execution.

3. When accepting enforcement, the property, vehicles, securities and deposits in the name of the lender will be inquired according to law.

4. If the lender has no executable property in its name and refuses to fulfill the effective judgment, negative information such as overdue repayment will be recorded in the personal credit report and high consumption and entry and exit will be restricted. There is even a possibility of judicial detention.

Is it not possible to get a loan if the credit card is overdue dozens of times?

The application will be affected. The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period for personal bad information shall be from It will be 5 years from the date of termination of the bad behavior or incident; if it exceeds 5 years, it should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. If you apply for a loan/credit card business with China Merchants Bank, our bank will not make any negative comments on your usage records. We will only provide you with truthful feedback on your historical usage records without any subjective judgment. If a bad credit report has occurred and there is no doubt about the record, the only thing you can do is ensure good repayment habits in the future.

There are 8 credit cards that are overdue. Are you unable to get a loan?

It is possible because your credit has been affected. It is recommended to deal with the overdue credit cards as soon as possible, otherwise you will definitely not be able to get a loan in the future. Another loan!

Will two overdue credit card payments affect my mortgage loan?

It has an impact.

Banks will refer to an individual’s number of overdue payments in the past two years when approving loans. Under normal circumstances, if a spouse has overdue repayments three times in a row within two years, or a cumulative six overdue repayments, it will be difficult to obtain another loan.

According to the degree of credit overdue, it can be roughly divided into the following two situations:

1. Only one or two credit card overdues

This kind of bank will generally not The loan is refused, but the loan interest rate may be appropriately raised, which is the first situation mentioned above.

Home buyers can ask several banks, because if the housing loan interest rate of the cooperative bank for the real estate is preferential, you can enjoy preferential treatment when applying for a loan at some banks. Just choose the one with the lowest interest rate.

2. Credit card overdue three times in a row or six times in total within two years

Generally speaking, banks will refer to an individual’s overdue number of times in the past two years when approving a mortgage. If one spouse makes three consecutive late payments within two years, or a cumulative six consecutive late payments, they will not be able to obtain a loan.

It should be pointed out that the meaning of three consecutive overdue repayments is that, for example, the repayment period of a fund is one month and it has not been repaid for three consecutive months; and a total of six times, for example, it is overdue once and it has been repaid. ; Overdue occurred again, this happened six times.

Extended information

Avoid credit card overdue:

1. Bind automatic repayment for more peace of mind. Cardholders can bind the debit card of the issuing bank of the credit card through the counter, online banking, mobile software, etc. (Why bind it to the bank, because the bank generally charges for inter-bank transfers), and set it on the due repayment date. About 3 days in advance (3 days in advance is to avoid not being able to arrive in time), the repayment will be automatic.

2. It is more secure to use the APP to manage credit cards.

3. It should be noted that there must be a sufficient balance in the debit card. In addition, if there is a withdrawal during the account period, cardholders must remember to make additional payments in addition to the automatic repayment. And some more.

4. "Tolerance overdue" refers to the cardholder's current bill repayment shortfall, and when the outstanding amount in the account does not exceed the balance stipulated by the bank after the repayment date, the cardholder can It is considered that the cardholder has paid off the card in full, and the outstanding amount will be automatically transferred to the next bill. This situation will not be regarded as a bad credit report.