1. What should I do if my credit card owes huge debts?

1. Explain the reasons to the bank. When the bank calls, be sure to answer it. If you have money to pay back, you'd better settle the arrears as soon as possible! Without money, there is no way out. Communicate with bank customer service to explain the reasons for the arrears. Involving criminal responsibility, deal with it as soon as possible!

2. You can choose installment repayment or minimum repayment amount. Credit cards are overdue, probably because many people owe too much. At this time, you can choose installment repayment or minimum repayment amount to reduce your repayment pressure, but you must pay off the credit card debt.

3. Continue to use the credit card and repay on time. After the credit card expires, some people just want to be clever, and even want to cancel the credit card in order not to pay back the money. In fact, credit cards and arrears cannot be cancelled. You need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue record.

4. Borrow money from relatives and friends to pay back the credit card. Everyone should remember that there is interest on overdue repayment of credit cards. The longer the overdue period, the more interest will be charged. Therefore, if you have no money to pay back, you can borrow money from relatives and friends, pay off your credit card as soon as possible, and reduce interest expenses.

2. Can I apply for a bank loan with a credit card overdue record?

1, the credit card is overdue for more than six times in two years, and you cannot apply for provident fund loans.

(1) Personal credit card or loans overdue has been overdue for three consecutive months, or accumulated more than six times in two years, so it is impossible to apply for provident fund loans.

(2) At present, when banks or provident funds handle credit business, they mainly rely on the credit records of lenders in the last two years. Therefore, cardholders who intend to apply for provident fund loans to buy a house should not use credit cards easily, and must ensure timely repayment.

2. Personal credit is not good, and the interest rate of commercial loans should be raised.

(1) If the person who wants to borrow money to buy a house has had many overdue credit cards, it will lead to bad personal credit information. Then you can't apply for a provident fund loan, you can consider using a commercial loan. However, due to the influence of bad credit records in the past, most banks will raise the benchmark interest rate by 10%.

(2) Of course, if the overdue period is very serious and too many times, the bank will not approve the loan application.

If the credit card is not repaid, it must be handled in time. As long as you can't repay, you must negotiate with the bank and let it handle it within your repayment ability to ensure that your rights and interests are not affected. So when you apply for a credit card, you must make sure that you have the ability to repay.