Yes, overdue online loans will have an impact on credit card applications.
1. Credit record: Overdue loans will be recorded on personal credit reports and become a negative indicator for potential borrowers.
2. Credit evaluation: When banks review credit card applications, they usually take credit records into consideration. Overdue records may result in rejection of the application or limitation of credit limit.
3. Credit score: Being overdue may lower your personal credit score, which is used to assess credit risk, thereby affecting the likelihood of credit card approval.
4. High interest rates and restrictions: Even if you get a credit card, having a past due date may result in higher interest rates and restrictions.
Summary: Overdue online loans will have adverse effects on credit card applications, including credit records, credit evaluations, credit scores, interest rates and restrictions on obtaining credit cards, etc. It is recommended to repay online loans in a timely manner to maintain a healthy credit profile.
Relevant information: The Credit Reference Center of the People's Bank of China, the China Internet Finance Association and other institutions have provided relevant guidance for further understanding.