Of course. As long as the credit card debt is small, the personal debt ratio is not high, the customer meets the loan requirements put forward by the bank, has the ability to repay on time, has a stable income, has a good personal credit and provides sufficient information, then the mortgage can usually be handled smoothly and will not be affected by the credit card debt under his name. However, if the customer owes a lot of credit cards, resulting in a high personal debt ratio, then in this case, the bank may refuse to approve the loan for fear that the customer's repayment ability is insufficient. If it is overdue, you not only need to bear the 5% overdue fine, but also bear the full penalty interest on the bill (the daily interest rate is 0.5 ‰, interest will be calculated from the day of consumption, and the interest will be recovered monthly until the principal and interest are paid off). It will also produce bad credit records in the Credit Information Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within five years; The bank will freeze your card and list you as a prohibited customer (blacklist) if it is overdue for more than three months or the bank reminds you twice. At the same time, it will force the use of credit cards and maliciously overdraw. The impact of overdue credit cards on banks varies according to specific circumstances, and the specific analysis is as follows: 1. Generally, the overdue credit card caused by the negligence of the cardholder is not due to the cardholder's repayment ability or the cardholder's low credit, so it will not have an adverse impact on the bank. In this case, the bank will bring extra income to the bank by charging the cardholder a late fee, canceling the interest-free period and charging five ten thousandths of the daily interest according to the bill amount; 2. If there is a problem with the cardholder's repayment ability or the cardholder's credit is reduced, the overdue credit card in this case will not bring additional income to the bank because the bank collects late fees or cancels the interest-free period, but will adversely affect the credit fund quality of the bank credit card. If actual bad debts are formed, the bank's net income will decrease accordingly. Other effects of overdue credit card: 1, unable to apply for a credit card. 2. Can't apply for a loan: If the personal credit record is bad and serious, you can't apply for a loan from any domestic bank; 3. Restrict the purchase of insurance and financial products; 4. Restrict online shopping of luxury goods; 5. Restrict children from attending private schools with high tuition fees; 6. Restrict the use of transportation: you can't choose planes, soft sleeper trains, steamboats No.2 and above, and people with bad credit can't buy holiday products or book air tickets through the platform. 7, limit the rental of office buildings, hotels, apartments and other places. 8. Limit the high consumption of hotels, hotels, nightclubs and golf courses. 9. Restrict the purchase and operation of non-essential vehicles; 10. If the person subjected to execution is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.
At the end of the song, the fe