1. Can I still get a loan after the credit card is overdue once?

1. Give a positive answer

The user has been overdue once before, and it will have no effect on the subsequent loan application until the overdue record is deleted.

ii. specific analysis

overdue records will be kept in the credit information for 5 years from the date of paying off overdue debts, and the credit information system will automatically delete overdue records after 5 years.

users have to wait at least five years from the time of overdue to the recovery of personal credit information.

users will pay off overdue debts as soon as possible, and personal credit information will be restored as soon as possible.

if the user keeps delaying repayment, the overdue records will remain in the credit information, so that the recovery time of personal credit information will be postponed later.

In addition, during the credit recovery period, users can't add overdue records. If overdue records are added, the time for personal credit recovery will be postponed all the time.

users have been overdue for a short time and paid off their overdue debts as soon as possible. The negative impact of this overdue record is limited.

even if the overdue records have not been deleted, users can still try to apply for a loan. As for whether they can pass the audit, the audit result of the lending institution shall prevail.

if you are not clear about your online loan big data, you can check your online loan big data information in "Beijian Quick Check". The database cooperates with more than 2, online lending platforms, and the queried data is very accurate.

Third, what will happen if Tik Tok's monthly payment is overdue?

Tik Tok's late monthly payment will have the following consequences.

1. Check the overdue records.

Tik Tok's monthly payment lenders are licensed financial institutions, and all licensed financial institutions have been docked with the People's Bank of China for credit reporting. Therefore, after Tik Tok's monthly payment is overdue, financial institutions will upload overdue records to the People's Bank of China for credit reporting according to regulations.

there are overdue records in the personal credit report, which will lead to bad personal credit reporting, and the negative impact of overdue records will always exist until the overdue records are deleted.

2. overdue records of online loan big data.

Tik Tok monthly payment is an online loan product, and financial institutions will upload overdue records to online loan big data after it is overdue.

overdue records in online loan big data will lead to problems with big data, and problems with big data will directly affect subsequent applications for other online loans.

3. Late fees are incurred.

financial institutions will charge overdue fees according to the number of days overdue, and the longer overdue, the more fees will be generated.

when the repayment ability of users is insufficient, a large number of overdue fees will increase the repayment burden of users.

4. Encountered a lot of collection.

from the overdue day, users will encounter platform collection.

at the early stage of overdue, users will receive a collection message and a few collection calls.

in the middle of overdue period, the frequency of collection calls will increase.

in the later stage, the platform will even arrange for the collection personnel to come to the door for collection.

a lot of collection will affect users' daily life, and it will also affect friends and relatives around them.

5. Platform users.

if the overdue time is over 3 months, Tik Tok's monthly payment may be used by users.

after being sued, whether the user should respond to the lawsuit or not, he will make a direct judgment.

the judgment usually decides that the user loses the case, and after losing the case, the user needs to repay according to the contents of the judgment.

at this time, users not only need to return overdue principal and interest, but also need to pay legal fees, attorney fees and other expenses.

6. Be the person who has broken the promise.

after the decision is made, the user refuses to repay the loan and will enforce it.

after the enforcement, the user still fails to repay the loan, and the user will be listed as the person who has broken the trust.

After becoming a person who has broken his promise, users' daily consumption and travel will be restricted, and even their children will not be able to attend private schools with high fees.

7. The borrowing function is limited.

after Tik Tok's monthly payment is overdue, the borrowing function of the account will be restricted, and users will not be able to continue to use Tik Tok's monthly payment when it is overdue.

At the same time, due to the overdue behavior of users, the monthly payment in Tik Tok may reduce the quota, freeze the quota or even recover the loan quota.

8. the contract is terminated early.

Due to the user's default, Tik Tok Monthly Payment may terminate the loan contract in advance.

the early termination of the loan contract means that the user needs to pay off the remaining amount to be repaid in one lump sum.

9. The bank card is continuously deducted.

before the overdue arrears are paid off, the system will initiate daily withholding until the repayment amount is fully deducted.

1. affect subsequent loans.

The overdue record of monthly payment in Tik Tok will affect personal credit information and online loan big data. When there are problems with personal credit information and online loan big data, users will not be able to apply for most credit business.

even if users pay off overdue debts, they will be unable to handle credit business for a long time.

2. Can I get a loan if my credit card is overdue once?

1. If it is overdue only once, it will not affect the loan. 2. If the credit card is overdue for more than six times in two years, you can't apply for provident fund loans: if the personal credit card or loans overdue is overdue for three consecutive months, or accumulated for more than six times in two years, you can't apply for provident fund loans. At present, when banks or provident funds handle credit business, they mainly rely on the credit records of lenders in the last two years. Cardholders who want to apply for provident fund loans to buy houses should not use credit cards easily, and must ensure timely repayment.

3. Can I get a loan if my credit card is overdue once?

How long is it overdue?

4. Can China Merchants Bank still make a car loan if its credit card is overdue once?

one overdue credit card will not affect the handling of car loans. In general, the requirements of bank loans for credit investigation: at present, there can be no one overdue, no two overdue in half a year, no two overdue in a row, and no three overdue in two years with a total of six overdue. Failure to repay after the repayment date is overdue and will be recorded in the credit report; Overdue bad records will be recorded in personal credit records, and if they are not repaid all the time, they will be blacklisted, which will affect personal credit information; The bank's handling methods after the credit card is overdue: 1. Consumer money no longer enjoys interest-free repayment. The card-issuing bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a monthly fine of 5% will be charged. 2. Receiving a reminder call or letter from the issuing bank. 3. If the credit card account is frozen by the issuing bank, the debt record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and lead to the cardholder's unpredictable application for loans. Special reminder: it is recommended that users who apply for credit cards repay on time and safeguard their credit information;