Yes, you can. It's just a matter of coming down. It will definitely affect the card. If it was a long time ago, and you can get a card as long as possible recently, especially the credit card of a small bank, it is easier to get it. I hope you keep a good reputation, which will be good for you.

2. Can loans overdue apply for a credit card?

If you are in loans overdue, you can't apply for a credit card. Loans overdue is an act of dishonesty, which is recorded. You cannot apply for a credit card. Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back.

3. Can I still apply for a credit card after loans overdue?

If there are overdue records within half a year, you can't apply for a loan, because the loan applicant and his spouse's credit card are overdue and the loan application will not be accepted; In the two years before the lender applies for a loan, if either spouse is overdue for six consecutive periods or more, the loan will not be issued. The New Deal will be implemented on 12 this month.

The state-owned provident fund has raised the standard of using credit records. Loan applicants and their spouses who have outstanding overdue loans or overdue overdrafts of credit cards or quasi-credit cards will not accept loan applications.

If residents have a good credit record, it will also play a very positive role in their future economic life such as buying a house, buying a car and getting a loan.

4. The credit card has not expired, but can other loans overdue apply for another credit card?

I won't. When evaluating loan applicants, banks will definitely focus on evaluating the applicant's personal credit in addition to repayment ability and loan purpose.

However, banks have different standards for "how many times overdue loans cannot be made".

Generally speaking, if the total number of overdue times reflected in the credit report does not exceed 6 or 3 times in the past year, the bank will think that there is no serious problem with the credit record.

If the applicant does not have a loans overdue record, the number of overdue credit cards is only once or twice, and such a credit investigation will not have a serious impact.

However, if it is currently overdue, that is, a credit card is overdue when applying for a loan, even if the previous credit is very good, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan. 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 charge is 10 yuan RMB or 1 USD. At the same time, the bank will charge five ten thousandths of daily interest on 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.