Can I get a loan if I have a credit card debt?

This depends on the amount of the loan required, the purpose of the loan, and the repayment plan. Banks will check your personal statement, personal assets, etc., and some even check your character. Each bank focuses on different things, and some basic information is shared between banks.

The key point is to have a clear payment plan and repayment plan. After all, loans have to be repaid with interest, and it is critical to be able to use this loan to obtain better returns.

Loans are divided into credit loans. If there is real estate as pledge, then other requirements will be much lower.

Generally, as long as the credit card of the bank you borrow from is not overdue, it will be fine. If the credit card debt is relatively large, the bank will consider the borrower's repayment ability and may not lend too much. If it is a mortgage, If you want a loan, there will be no problem. The required information is as follows:

1. Credit loan:

ID card, work certificate, company address, company phone number, salary statement, residence certificate, water and electricity invoices , Rights raising certificate, driving license, provident fund card, social security card can help improve the overall score,

2. Mortgage loan:

ID card, household register, marriage certificate, income certificate, Bank statement, property rights certificate, land certificate (if married, provide information of both spouses).

Extended information:

Bank loans mainly look at the following two aspects:

1. The bank considers the repayment ability

The bank mainly examines It depends on your financial strength and repayment ability. As long as your credit card is in normal use and has no overdue or bad credit records, it will not affect your loan application. The bank will comprehensively consider whether to lend and the loan amount based on individual circumstances. But if every card in your hand is seriously overdrawn, the bank will question your ability to repay.

2. My credit record

If you have a debt on your credit card and have a bad credit record due to overdue repayment of the credit card, don’t rush to cancel the card. Canceling a credit card will not eliminate bad credit history. It is recommended to pay off the debt immediately to avoid interest compounding. For credit card bills with large amounts that cannot be paid off at once, it is more cost-effective to repay them in installments to avoid overdue credit cards.