How long does it take to apply for a credit card if one of the spouses is overdue for divorce

If one of the spouses has a personal credit problem due to overdue loan repayment, the bank will not accept the party's credit card and loan application. The party concerned needs to pay off the debt, pay late payment fines, and complete the procedures. After five years, the bank system will automatically clean up the bad records. At this time, the credit card can be applied for.

When applying for a credit card, how should I write down whether I am married or not if I have been divorced?

Divorced should be filled in, married or single cannot be filled in.

Marital status is generally divided into four categories: single, married (with a spouse), widowed, and divorced.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Extended information:

Application conditions:

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.