It will have an impact. Overdue repayment of credit card refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited into the designated account in full and on time. According to the analysis of relevant data, most of the cases causing bad credit records are overdue records caused by credit card overdraft consumption not being repaid on time; The mortgage loan is not repaid on schedule, resulting in overdue records; After the interest rates of mortgages, consumer loans and other loans are raised, the "monthly payment" is still paid according to the original amount, and the interest owed is overdue. Generally speaking, one overdue credit card will not affect the loan, but serious overdue will affect the application for mortgage and car loan. Individual banks may require customers to provide mortgages and guarantees, or they may reduce the loan amount, raise the loan interest rate, or even refuse loans. Therefore, remind the public that in addition to timely and full repayment after borrowing, they should also develop the habit of regularly checking their credit records. At the same time, don't think that closing the account immediately after repayment can clear the stain. On the contrary, at this time, the account cancellation will also lose the opportunity to repair the overdue repayment record. The correct way is to use this credit card normally after the stain occurs, spend more, repay in full and on time, and constantly repair the credit. Because banks judge a person's credit status, the focus is on recent credit transactions. If the repayment is overdue only occasionally, it will be repaid in full and on time, which has little impact on personal credit. Precautions for overdue credit cards: cardholders should pay special attention to the last repayment date of credit cards, that is, the last day of interest-free repayment period. Before this, the repayment is interest-free, and all consumption funds will no longer enjoy interest-free repayment after the expiration. From the date of consumption, the bank will calculate interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest on a monthly basis, and add a late fee. Credit card late fee means that when the actual repayment amount on the due repayment date of the credit card is lower than the minimum repayment amount, the cardholder needs to pay late fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different bank policies, the minimum amount set is not the same. People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up using their credit cards and return them in time, otherwise, the various expenses of credit cards and the interest and late fees incurred thereafter will lead to personal economic losses and credit reduction, and affect mortgage and car loans.

Second, the overdue amount of the credit card is very small, will it affect the loan?

Generally speaking, one overdue credit card will not affect the loan, but serious overdue will affect the application for mortgage and car loan. Individual banks may require customers to provide mortgages and guarantees, or they may reduce the loan amount, raise the loan interest rate, or even refuse loans. Therefore, in addition to timely and full repayment after the borrowing behavior, we should also develop the habit of checking our credit records regularly. At the same time, don't think that closing the account immediately after repayment can clear the stain. On the contrary, at this time, the account cancellation will also lose the opportunity to repair the overdue repayment record.

The correct way is to use this credit card normally after the stain occurs, spend more, repay in full and on time, and constantly repair the credit. Because banks judge a person's credit status, the focus is on recent credit transactions. If the repayment is overdue only occasionally, it will be repaid in full and on time, which has little impact on personal credit.

In addition, if it is difficult to repay all the payables before the due repayment date (inclusive), the repayment can be made according to the minimum repayment amount stipulated by the issuing bank, so that personal credit will not be affected. The calculation method of minimum repayment amount of credit card is minimum repayment amount = 10% consumption balance 10% cash withdrawal balance, interest balance and other payable expenses balance. If the repayment is made according to the minimum repayment amount, the card issuer will only charge the loan interest from the bank bookkeeping date to the repayment date at the daily interest rate of 0.5%, and the loan interest will be compounded monthly.

3. Does overdue credit card repayment affect provident fund loans?

1. Overdue repayment of credit cards will affect provident fund loans. Under any of the following circumstances, housing provident fund loans will not be accepted.

2 increase the interest rate of housing provident fund loans or reduce the amount of housing provident fund loans. If your credit card is overdue once or twice, and the overdue amount is not large, the bank can still issue loans for you, but it will raise the interest rate of housing provident fund loans or lower the approved amount of housing provident fund loans.

3. The application for housing provident fund loan is not approved. If it is overdue for three or six times in two years, you will not be able to get a mortgage. The repayment period of credit card bills is one month, which is not paid for three consecutive months and is overdue for three consecutive times; If the credit card bill is overdue once, and then overdue once, then a total of six times is a total of six overdue payments.

4. Does the overdue credit card affect the loan?

Honey, it will definitely affect.