Yes, but you need to pay attention to the following points:
1. Multiple overdue credit cards will have a negative impact on your personal credit record.
2. Loan approval usually refers to personal credit history, including overdue status.
3. Repeated overdue payments may cause banks to be cautious about personal loan applications or even refuse loans.
4. If the credit card overdue record continues to be updated, the lending institution may think that there is a problem with the individual's repayment ability and be unwilling to provide a loan.
Summary: Multiple overdue credit cards have a negative impact on loan applications, and the loan may be rejected.
Extended information:
- The China Banking Association stipulates that credit card repayment records that are overdue for more than 90 days will be included in the personal credit reporting system, which has an important impact on personal credit ratings.
- When reviewing a loan, the bank will check the individual's credit report to understand the credit history and repayment status. Overdue credit card records may affect an individual's credit rating.
- If your credit card is overdue many times and is not repaid in time, it is recommended to first negotiate with the bank or take other methods to resolve the overdue problem, and maintain a good repayment record to improve your personal credit status.