Can I still borrow online loans if my credit card is overdue?

Actually, whether you can still borrow an online loan after your credit card is overdue depends on whether the online loan has a good credit score. After all, most online loans are currently divided into online loans that have a good credit score and those that don’t. Online loans, different types of online loans have different requirements for borrowers.

1. Online loans that do not check the credit report: Because they do not check the credit report, they will not be able to find the overdue record of the credit card. They will not be so concerned about whether the borrower has bad credit. As long as the loan is People have relatively strong repayment abilities. If they can provide some collateral as security, they will borrow money. However, when borrowing this type of online loan, you need to read the loan contract and interest rate clearly to avoid some routine loans.

2. Online loans with a credit report: It mainly depends on the borrower’s credit report and repayment ability. If you have an overdue debt and want to borrow an online loan, the overdue circumstances must not be serious and the debt must not be three consecutive years. If you are tired, or have been overdue once or twice in the past six months, and have paid off the debt before borrowing, the important thing is that you have a strong repayment ability, and you can also provide some asset certificates to guarantee repayment, you may also be given Approved loan.

Tips for borrowing online loans if your credit card is overdue: It is recommended to choose an online loan platform with a slightly lower threshold, preferably a formal licensed institution, such as 360 IOU, China Merchants Union Hao Long-term Loan, etc., as long as the applicant can prove himself Depending on your repayment ability, and if the overdue loan is not serious, you may still be eligible for loan approval.

What I want to remind you here is that if you encounter a loan platform that requires you to pay money to verify your repayment ability, you should be careful. It is very likely to be a scammer, and the person will disappear after receiving the money. Formal platforms will usually verify the borrower's ability to repay the loan from aspects such as employment, income, financial resources, bank statements, etc., and will not require you to deposit money.

For overdue credit cards, negotiated repayment, debt planning and restructuring, legal consultation on overdue debts, and repayment negotiation plans, you can consult Yiyou Legal.