If the online loan platform has been connected to the central bank's credit information system, when the user's online loan is overdue, the platform will upload the personal overdue record to the central bank's credit information system. At this time, when users apply for credit cards, they may be rejected by banks.
If the online lending platform is not connected to the central bank's personal credit information system, the overdue records of users will not appear in the central bank's credit information system.
Therefore, this situation does not have much impact on the handling of credit cards.
Of course, in order to prevent other influences, even if the platform is not connected to the central bank's credit information system, users cannot be overdue.
When a user applies for a credit card, the bank will pay attention to two aspects, one is the user's credit; Another aspect is the repayment ability of users. Among them, users' credit mainly comes from the central bank's credit information system. In terms of repayment ability, banks mainly look at the personal data submitted by users.
Therefore, in order to increase the probability of users getting off their cards, we must pay attention to these two aspects when applying for credit cards.
Extended data:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.
Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
The main features of credit cards:
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and stimulate social demand.