; ? There are many people who are in urgent need of capital turnover and will go to the bank for loans, but they are not qualified enough and can only find someone to guarantee the loans. Loans also require guarantors. Someone will ask if the credit card can be used as a guarantor if it is not paid off. Let's have a look.
Let's first look at the conditions that a loan guarantor must meet:
1, age requirement: at least 18~65 years old, depending on the restrictions imposed on the guarantor by the lending institution, but it is certain that it is not easy to be too young or too old.
2. Credit requirements: there can be no overdue records at present, and it is best to have good credit. Otherwise, the credit is not up to standard, the credit is not good, and the lending institutions are not at ease.
3, income requirements: to have a stable job, income is the guarantee of repayment ability, usually requires proof of income, bank running water.
4. Willingness to repay: Many loan guarantors are jointly and severally liable and must have the subjective willingness of the borrower to repay at any time after economic problems occur.
Can I be a guarantor if my credit card is not paid off?
As a guarantor, there is no requirement not to have debts, so you can be a guarantor if your credit card is not paid off.
But credit card debt should not be too high, and personal debt should not exceed 50% of income. If the debt is too high, it will be risky for the guarantor to repay it himself. If the borrower doesn't pay back the money, where can he pay back the money? Not only did you cheat the borrower, but you also put yourself in. It's not worth it. Lenders are unwilling to take risks even if you are willing.
The above is "Can I be a guarantor if my credit card is not paid off?" I hope it will help everyone. In short, credit cards can be used as guarantors with outstanding debts, but the liabilities should not be too high and must meet the requirements of the above guarantors.
My credit card owes money. Can I vouch for others?
It mainly depends on the overdue method of the guarantor, and it doesn't matter if the amount is small.
Assuming that the amount is small (for example, within 1000 or within the mantissa of repayment amount), both times are within one week, which has absolutely no influence. If it is more than one month, it may be necessary to explain the reasons.
If the amount is large or just the repayment amount of the current month, the bank or lending institution will ask me to give a specific and reasonable reason. If the reason is clear and reasonable, it can be passed;
In addition, it depends on the occurrence time of my two overdue. After half a year, it may have an impact. The farther away from now, the less influence. Generally, the tone two years ago is unnecessary;
Of course, for banks or other financial institutions, the most important thing is my assets and income (that is, solvency). If these two items are not passed, I am afraid it will be of little significance;
Finally, it is suggested to cherish personal credit, and once bad records are generated, they should be updated every five years.
Consequences of overdue
First, outsourcing collection
When the borrower does not cooperate and has a bad attitude, it will generally be handed over to a special collection agency, and the debt will be completely "justified" at home. It's almost impossible to escape face to face with them if you call the police.
(1) The police can't get involved in pure economic disputes.
Under normal circumstances, the evidence of creditor's rights and debts is complete, and the collection personnel have no behavior within the scope of police law enforcement, such as breaking into your home. When you call the police and the police come, economic disputes will generally be handled by both parties through consultation, and the collectors will not be expelled or detained.
(2) The collection method is basically within the legal scope.
Although in the eyes of people who don't know them, they are "underworld" and "rough people", in fact, after in-depth contact, their thorough understanding of relevant laws is comparable to that of professional legal persons. After years of social wandering, they have extremely keen insight into people and know how to break through the socio-psychological weakness of borrowers within the limits of law and promote them to repay debts in many ways.
Court prosecution is essential.
1, the court sued, filed a complaint, and the court accepted it. The acceptance fee is less than 10000 yuan in 50 yuan. This is what I need to pay at the end of the procedure, so don't think the amount is small, so I won't sue. )
After the court accepts the case, it will give you a summons. Will mediate for the first time. (of course, it is impossible for the client to come to court), then the mediation fails.
3. If the mediation fails, the court will issue a second summons to determine the court session time (of course, the parties will not come to the court), but "not appearing in court" will not affect the judgment, and the judge will send you the judgment after the judgment.
Needless to say, you lost the case. The judgment will tell you when you must transfer the money to the court account.
Can credit card (debit card) be a guarantor in arrears?
To guarantee for others, you need to run the guarantee qualification examination, and you will check the credit information to understand the credit status and liabilities of the guarantor. If the guarantor's credit card (debit card) is in arrears, but the overall debt ratio does not exceed 50%, and the personal credit is good, it will pass if it meets other guarantee conditions.
Otherwise, if the credit card (debit card) owes too much, resulting in high personal debt and weak repayment ability, being a guarantor, especially a guarantor with joint liability, is likely to be rejected.