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Can a bank apply for a loan if it has bad debts?
Bad debts are accounts treated as bad debts by lending institutions, mostly because the overdue time is more than 3 months, and the unpaid debts are repeatedly collected by lending institutions, which will be recorded as bad debts by lending institutions, and reported to the credit bureau for credit investigation and recorded in the repayment status of loans.

We should all know that as long as the borrower is overdue at present, the formal lending institutions will not agree to his loan application, not to mention the bad debts, as overdue additions, are even worse in nature. Such borrowers have no sense of performance at all. If these borrowers are allowed to borrow money again, it is difficult to guarantee that there will be no more bad debts.

Pay attention to personal credit and don't blindly apply for loans. Otherwise, once big data is spent, it will be rejected because the comprehensive score is not enough. Get a big data report from "Lan Bing Data" and get a clear understanding of your own situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the query data is accurate and complete. You also need to pay attention to personal credit.

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How to deal with bad debts in the future?

The borrower should contact the lending institution that reported the bad debts and voluntarily pay off all the arrears including principal+interest+overdue fees. After the arrears are settled, the lending institution will change the bad debts on the credit information into overdue within 20 working days.

However, it should be noted that the record of bad debts does not exist, but loans overdue cannot handle it in the short term.

After all, bad debts are equivalent to black households that are overdue for three times, and it takes time to eliminate the impact of overdue.