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. Each bank has different emphases, 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 it is a property pledge, 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 if it is a mortgage loan, there will be no problem. The required information is as follows:

1. Credit loan: ID card, work certificate, company address, company phone number, salary flow, residence certificate, water and electricity invoice, withdrawal certificate, driving license, provident fund card, social security card, etc. will help improve the comprehensive score. 2. Mortgage loan: ID card, household registration book, marriage certificate, income certificate, bank account, property right certificate, land certificate (providing information on both husband and wife when getting married);

Bank loans mainly look at the following two aspects: 1. Banks consider repayment ability. Banks mainly look at your economic 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 the amount of lending 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 there is a bad credit record due to the overdue repayment of the credit card, please don't cancel the card in a hurry. The 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, it is relatively cost-effective to repay them in installments to avoid overdue credit cards. People's Daily Online -200 yuan owes money to break the dream of citizens' mortgage. The bank reminds the credit card to repay in time.

Second, can you still get a loan if your credit card is in debt?

Choose a good bank to apply. If I have debts, can I apply for a credit card?

Credit cards from different banks are generally acceptable.

Analysis:

Credit cards from different banks are generally acceptable. Even if the credit card is in arrears, as long as the customer has no bad record in the bank, he can continue to apply for a credit card in another bank.

Matters needing attention in applying for a credit card:

Customers must not have bad credit records in the bank; If a person with high debt ratio applies for a state-owned bank credit card, it will generally be rejected. Even if the card is issued, the amount will not be very high. (Cardholders who pursue the quota can reduce their debts first and then apply, so the quota will be much higher. I suggest that you can apply for a credit card from the local bank. Compared with state-owned banks, local banks are more tolerant of debt, and as long as the debt does not exceed 70%, they can generally approve cards. 2. Cancel the extra credit card. Generally, the number of cards held is no more than five, while some friends who play cards may hold dozens or even hundreds of credit cards. According to the regulations of the regulatory authorities, banks need to consider the applicant's total loan amount when issuing credit cards to avoid excessive credit. There are too many cards in the personal credit report, which will make the bank think that your actual financial ability does not match your repayment ability, and there is a certain repayment risk. Remember to cancel some credit cards that are not commonly used, and control the total amount of loans and credit cards within a reasonable range. 3. Provide proof of financial resources. For banks, high debt ratio means that applicants have low ability to repay loans. Generally, banks will not issue cards to such people, so as not to pay back the money when it is due. If the applicant's debt is too high, he can provide effective financial proof to the bank, such as real estate, vehicles, wages and other information to prove his repayment ability, which can also improve the success rate of issuing cards. 4. Stop loans such as "small loans" before applying for the card. If you plan to apply for a credit card, you'd better not apply for consumer loans and other businesses or find a loan company within the first six months of applying for a credit card. Even if you go to a loan company for a loan, the other party will inquire about your credit report, and this inquiry behavior will be displayed on your credit report for the bank to see. If you apply frequently in the near future, it will not only waste your credit information, but also be considered by the bank that you are in urgent need of money, and the risk of default is high, and you will refuse to issue credit cards. Does it matter if the credit card is overdue by one day? Come and see if credit cards can help many people solve their urgent needs, but it is also common for some cardholders to overdue due to improper use of credit cards. So, does it matter if the credit card is overdue for one day? For this question, cardholders come and have a look! The consequences of overdue credit cards vary from bank to bank. Some banks have a three-day grace period, while others don't. Therefore, there is no standard answer to the question whether a credit card is overdue for one day. For example, there is no grace period for credit cards, and the impact of one day overdue is mainly due to overdue records; Generate overdue interest; You will also encounter bank SMS collection. If the credit card has a grace period for repayment, the grace period is generally 1-3 days. At this time, one day overdue will have no effect. What should I do if I encounter problems such as outstanding credit card debt, overdue, excessive interest and collection? China lawyer network reminds you that professional problems are suggested to be solved by professional people. If I encounter problems such as unpaid credit card debt, overdue, excessive interest and collection, I can use the right method and teach you to stop and pay off your account in just three steps to avoid and solve the problem of overdue credit card! For the specific solution, please click the consultation button below and contact the professional team of creditor's rights and debts to obtain the "solution".

3. If my credit card is in arrears, can I get a loan?

First of all, when applying for a loan, the bank will examine your financial strength and repayment ability, so if your credit cards are used normally and have no overdue and bad records, it will not affect your loan application, but if every card in your hand is seriously overdrawn, the bank may question your repayment ability.

Secondly, if your credit card is in arrears and has a bad credit record due to overdue repayment, don't cancel your credit card in a hurry. You may not know that the 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, it is relatively cost-effective to repay them in installments to avoid overdue credit cards.

Finally, I remind you that credit records are very important, because a good credit record is the first threshold for applying for a loan, so it is best to avoid overdue behavior. Even if there are overdue records, remember not to cancel the credit card, because if you continue to use the credit card and keep a good record of timely repayment, the bad records in the credit report will be covered within five years.

The above is my answer, I hope I can help you, thank you!

If my credit card owes a lot of money, can I still get a loan?

No, except microfinance companies.