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.

If my credit card is overdue, can I borrow money from the bank?

You can also apply for a loan from a bank if your credit card is overdue once, but you can't apply for a loan if it is overdue in the current month. You need to wait for the credit to be updated before you can apply for a loan. Under normal circumstances, the requirements of bank loans for credit investigation are 1 time overdue, twice overdue within half a year, twice overdue in a year and six overdue within two years.

Usually, one overdue will not produce bad credit records, and three overdue will produce bad credit records. Without a bad credit record, the loan will not be affected.

The consequences of overdue credit cards are:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

Second, the impact of credit:

1. If it is overdue within one month, it will be deemed as overdue once. As long as it is overdue, even once, it is more difficult to increase the quota;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to borrow money and apply for a credit card in the future;

3. After a certain amount and time, the bank will freeze the credit card.

Three, for bank loans need to prepare information:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Four, bank loans need conditions:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

Five, the program is generally divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

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.