Whether the credit card is in arrears is related to the lender's credit card status:
1. Credit card debt is too high and personal debt ratio is high. When applying for a loan, the bank will think that the lender's repayment ability is insufficient and may refuse the loan.
2. If the credit card arrears have overdue records, the bank may refuse the loan on the grounds that the user has overdue records.
3. If there is not much credit card debt and there is no record of overdue repayment, it will generally not affect the loan.
Extended data:
What conditions can I borrow from the bank?
1, with a fixed income and a stable residential address, depending on the salary details.
2. The age is between 18 and 65 years old.
3. Have full capacity for civil conduct.
4. The borrower's credit information is good and there is no bad record.
5. Have a good willingness to repay.
6. Loans cannot be used for improper behaviors such as stock trading and gambling.
Can I get a loan for credit card arrears?
Not necessarily.
Case 1: the credit card is in arrears but not overdue.
If this is the case, it is generally that the cardholder used installment payment or only paid the minimum repayment amount, which caused the credit card to be in arrears, but did not cause the credit card to be overdue. In this case, it is possible for credit card holders to refinance, but the impact is that the approved money will be reduced.
Case 2: the credit card is in arrears and overdue.
If so, the overdue record is caused by non-repayment, so it is a bit crazy for credit card holders to refinance. At present, as long as there are three consecutive and accumulated six overdue records in the last two years, the bank will not give you a loan, or reduce your loan amount and raise your interest rate standard.
Credit card repayment method
In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
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Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.
Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
Can I get a loan for credit card arrears?
It depends on the loan amount, loan purpose and repayment plan. The bank will check your personal flow, personal assets and so on. Some even test your character. The emphasis of each bank is different, and some basic information between banks is interoperable.
The key is to have a clear plan for spending money and repayment. After all, the loan has to pay interest, so it is very important to get better income with this loan.
Loans are different from credit loans. If the property is pledged, other requirements will be much lower.
Generally speaking, as long as the bank's credit card is not overdue, if the credit card debt is relatively large, the bank will consider that the lender's repayment ability may not be too much, and there is no problem if it is a mortgage loan. The required information is as follows:
1. Credit loan:
Identity card, work certificate, company address, company phone number, salary flow, residence certificate, water and electricity invoice, withdrawal certificate, driving license, provident fund card and social security card are helpful to improve the comprehensive performance.
2. Mortgage loan:
ID card, household registration book, marriage certificate, income certificate, bank account, property certificate, land certificate (information provided by married couples).
Extended data:
Bank loans mainly look at the following two aspects:
1. Banks consider repayment ability.
Banks mainly examine your financial strength and repayment ability. As long as your credit card is used normally and there is no overdue and bad credit record, it will not affect your loan application. Banks will comprehensively consider whether to lend and how much to lend according to individual circumstances. But if every card in your hand is seriously overdrawn, then the bank will question your repayment ability.
2. My credit history
If the credit card is in arrears and has a bad credit record of overdue repayment, don't rush to cancel the card. Cancellation of bad credit records of credit cards will not be eliminated. It is suggested to pay off the arrears immediately to avoid interest. For large credit card bills that cannot be paid off at one time, installment repayment is relatively cost-effective, which can avoid overdue credit cards.