1. After the online loan and credit card are overdue, users need to give priority to the products for credit reporting at the meeting, so as not to affect personal credit reporting. If the online loan product applied by the user is not creditworthy, then the user needs to repay the credit card first. If both online loans and credit cards are credited, users need to repay products with heavier interest and penalty interest.
second, credit cards with overdue credit cards are more serious than online loans, no matter from the perspective of credit reporting influence or from the perspective of taking responsibility. Among them, the overdue online loan products are economic disputes. If the principal owed by the credit card reaches 5, yuan, and it is still not repaid after being effectively collected by the bank twice, it may be investigated for criminal responsibility. Generally speaking, when the borrower is overdue and unable to repay, he can ask his parents, friends, colleagues and others to apply for a loan. Then repay the overdue amount of the credit card first, and then deal with the remaining loan amount of the online loan.
third, the selection of the dimension of the amount. From the perspective of the amount, if a friend's credit card only owes 1, yuan, but an online loan or a private person owes 1, yuan, he will not be able to come up with that much money for a while. At this time, the Kashen Group suggests that friends can consider paying back the credit card first, because even if the credit card owes 1, yuan, it can be repaid by installment. If you owe someone 1, yuan, the Kashen group thinks that this money is indeed a bit too much, and you will not be able to come up with so much money for a while. Moreover, the debt of 1, yuan is a personal loan that will not generate interest and will not continue to accrue interest. From this point of view, it is also necessary to pay off the overdue debts of personal credit cards first. If it is a private debt dispute, then the card god group still suggests that friends pay their personal debts first.
IV. Dimensions of personal credit investigation
Credit card overdue is too great for personal influence. Once it is overdue for a long time, there will be bad credit investigation, and friends don't want their credit cards to be overdue, which will affect credit investigation. After all, it will have a certain impact on individuals' subsequent buying a house, buying a car or doing other things. Personal arrears also have an impact on individuals, but the impact is certainly not as great as bad credit reporting. Generally, personal debts are owed to relatives and friends. For relatives and friends, there is something to discuss, and there is room for discussion if you have a better attitude. It is really not negotiable and will not fall into a bad credit report. However, the overdue credit card is different. Once it is overdue, there will be bad credit reporting, which will even affect your future car purchase. Therefore, from the perspective of the influence of personal credit information, we must also pay off the overdue debts of credit cards first.
V. Dimension of legal risk From the perspective of legal risk, it is also better to pay off the credit card debt first. If friends have more credit card debts, and the bank calls to shut down when it collects, or even disappears. Then the bank will think it is malicious not to pay back the credit card money, and the consequences are very serious. As a result, the bank was prosecuted for criminal responsibility. Therefore, after the credit card is overdue, don't play missing, or turn off the phone. Explain that there is still room for repayment. Otherwise, you will only make yourself more and more dangerous. From this point of view, we must find ways to return the credit card after the money is overdue to avoid being investigated for criminal responsibility. If it is a personal debt, the card god group reminds friends that this is a personal behavior after all, but the personal debt needs to be paid back after he has money, so as to prevent others from misunderstanding himself and holding his head in front of relatives and friends in the future. Especially in private lending, there are not a few people who make big things for a little money.