Speaking of it, credit cards are really a double-edged sword. Without it, you can't get rid of the identity of the IOUs credit account, but with it, you are at risk of overdue repayment at any time.
To tell the truth, as long as you don't apply for a mortgage (the mortgage review is extremely strict, and some banks will be rejected once overdue), the bank will still handle it once or twice as appropriate, and the loan can still be passed.
According to friends in the industry, the average bank has a quantitative standard, which is overdue for more than three times or six times in a row. It is more difficult to apply for a loan in a bank.
Occasionally overdue loans will not affect the loan, but I have to remind you that you must remember to repay the principal and interest, otherwise you will always follow you after overdue.
Overdue for more than three times, depending on your choice.
1. Mortgage loan
Some mortgage loans are not as strict as banks' credit requirements for individuals. As long as the property ownership of the collateral you provide is clear and has a certain cash value, it is easy to get a loan. For example, Ping An Bank's Ping An car loan and CreditEase's Easy Car loan, with ID card, vehicle registration certificate and driving license, can also get loans with a car valuation of about 80%.
2. Some Internet small loan products
When approving some Internet small loan products, they only look at work information and third-party credit information. If personal credit is overdue, you can also apply. For example, if the sesame credit score is above 600 points, it can be opened. Check sesame credit score and Alipay stickiness; There is also Lakaka Easy Staging, which refers to koala credit reporting. If you are a merchant in Lacarra, the koala has a high credit score and is easily approved.
However, it will not work like micro-credit loans. Before the opening of micro-credit loans, it is necessary to check the central bank's credit information. There are too many overdue loans, and we will definitely not be able to get the loan. We can only remind you here.
3. Small loans that black families can also borrow.
Some people borrow too much or their credit cards are overdue. After a long time, it becomes a "bank black household." It is particularly difficult for these black households to apply for loans, but some small loan openings have not completely blocked the way.
For example, small APP loan products such as Atomic Loan, Seconds White Note, Cash Bus, Pat Loan, Qian Bao, Fingertip Loan, Wage Loan, Flash Silver, Xiaohua Wallet and Qian Youlu can also be applied, but their * * * nature is low, generally around 1 000 yuan, and the loan interest rate is high, so it is necessary to be cautious when applying for loans.
Small change summary (luxiaodai360): Although Rong 360 has said so much, it seems nothing to have an overdue credit record. More or less, you can always find one or two places to make your next payment. However, don't forget that the difficulty of loan application and the speed of fund approval are incomparable to those with good credit. And most importantly, credit is money, poor credit and high loan cost. You said you were overdue.