"Yes, you can apply for a credit card if the online loan is not finished. But you need to make sure that your personal credit record is good and there is no overdue payment. Credit card applications have little to do with online loans. As long as you have a stable job and a stable income, your credit card application will be easy to pass. However, if your job is unstable and you have no stable repayment ability, even if you apply for a credit card, there is a high probability that you will not be admitted. "

Second, there are too many online loans, but they are not overdue. Will it affect the application for credit cards?

It is true that when applying for a credit card, the repayment behavior of the card in the past is a very important reference for the bank, and the bank will know whether you are a trustworthy person to decide whether you are qualified to apply for a card. However, there is no absolute statement about whether you can successfully apply for a card in the end, because the credit scoring standards of each bank are different. But generally speaking, the bank will evaluate you according to your overdue situation. If it is only overdue for 1 or 2 times, and the amount involved is small and the overdue time is short, then re-issuing the card will basically not be affected.

On the other hand, if it is overdue for many times, whether it can be successfully handled is another matter. Because the credit information system only collects the repayment information in the last two years, if your overdue repayment occurred two years ago, and you paid the arrears soon after, the bad credit will be automatically eliminated with the passage of time. On the other hand, if there are many overdue cases within two years, the possibility of successful card processing will become slim. However, because personal credit is a dynamic process, although you may not be able to apply for a credit card in the short term, if you guarantee that the credit card you are using will be repaid in full and on time in the future, then a good credit record will cover up the original credit stain, and two years later, you will be eligible to apply for a card again.

3. Can I apply for a credit card by online loan? Will it be rejected, and the online loan repayment will not be overdue?

You can apply for a credit card if you have an online loan. If the online loan is repaid on time and is not overdue, it will not be rejected under normal circumstances, but the amount of card approval may be relatively low. Credit cards are one of the main sources of profits for banks, and the main purpose of issuing credit cards is to make money, so the requirements for customers' credit information will be higher, so it is recommended to cherish their credit records.