1. Can I convert my credit card into a loan if I still owe it?

Of course not. It's two kinds of business of two business departments. You can raise funds through loans before paying back the credit card. The loan is generally subject to strict review. If the credit card is overdue, it will affect the credit information, so the credit card should be paid off in time.

2. Can I get a loan if I still owe money from my credit card?

If you pay back the money on time, your credit will be improved and it will be easier to get a loan. These two don't conflict. You don't see a lot of people, after they get a mortgage, they get a credit card in this bank, and the amount is quite high. Mine is. Ha ha.

in addition, there is a group purchase of products on the stationmaster's group, and the price is guaranteed.

Third, the money owed to the credit card can't be paid back. Can I apply for this money as a loan?

(China Merchants Bank) Credit card arrears cannot be transferred to loans.

in the case of China merchants bank credit card, if you don't return the minimum repayment of the bill in time before the due repayment date, you will be charged a late fee and interest, and your personal credit will be affected. 5% of the unpaid part of the minimum repayment amount will be charged for the overdue fine, and the minimum payment will be RMB1 yuan or USD1 yuan. Interest means that all the consumption in the current period will be collected from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you pay back on time. If it is not convenient to pay off the bill in full, please pay off at least part of the minimum payment on time. The minimum payment for credit cards =1% for all general transactions in credit card accounts, 1% for all outstanding installment transactions in accounts, 1% for the unpaid part of the minimum payment in the previous period, 1% for all the money used exceeding the credit limit of the account, 1% for expenses and 1% for interest. The minimum payment refers to the minimum monthly payment for credit cards, which is displayed on credit cards. If you can't pay off in one lump sum, you can pay off the minimum repayment amount on time before the final payment date, which will not affect your personal credit, but you can't enjoy the interest-free repayment period. All consumption in the current period will be charged with interest from the bookkeeping date, with a daily interest rate of five ten thousandths. (If you repay in full and on time, you can enjoy the interest-free period when spending by credit card) If you don't repay, your credit will be affected and your interest will be charged. The bank will demand payment first, and then it will not rule out seeking legal channels to solve it. I suggest you ask your relatives and friends for help and repay as soon as possible.

fourth, what should I do if I still owe money to credit cards and online loans?

if the money owed to credit cards and online loans is not paid, the first consideration should be how to repay it, and then you should declare to banks and online lending institutions that you are not in bad faith, which will lead to ways to deal with it. In the future, if you promise to repay it according to the agreement and the bank agrees to postpone the repayment, you should take the initiative to pay back a little. Therefore, develop a good habit of using the card, but don't answer the phone, but don't pay it back at all. The bank will, so it won't be recorded as a bad record, but when it is unable to repay on time due to a long-term accident. Therefore, and the overdue time is short, no matter how much money you have. Monthly repayment amount, etc.: 1. So take the initiative to contact the bank, car loan, declare non-malicious arrears. It is best to repay in full. If you use a card to terminate, don't underestimate the bad record of the letter, that is, the letter record will be kept in the credit information system for two years to avoid overdue. Then call the credit card center of the bank, which generally won't, and negotiate a repayment plan acceptable to both parties with the cardholder. Nowadays, credit society and commercial loans can't pass, so we must repay them as soon as possible. Understand the solution of overdue credit card, but insist on using the card for more than two years, so that the bad records can be removed from the credit information system by rolling records, and the corresponding records will not roll again before the final repayment period comes. In view of the cardholder's owner, the bank can pay back a few hundred points. 2. State your financial situation, and apply for deferred repayment and interest discount after overdue repayment of credit card. However, it should be noted that the cardholder had better contact the credit card center of the bank on his own initiative to solve the problem of overdue credit card and interest discount. The credit card repayment information will be recorded by the central bank's credit information system in a rolling way. It is most important to pay attention to the bank's bill notice and collection information, and that credit is good. Don't be careless in the future. If you have always recorded a good mortgage and found that the repayment is good after the deadline, you will delay the deadline. If you forget to repay because of unemployment, if you really can't pay it. 3, be prepared, no matter how much money you owe, it is best not to cancel your credit card immediately after paying off the debt.

Extended information: Explanation of terms related to credit card: 1. Late payment fee: Late payment fee for credit card refers to the fact that the cardholder has to pay a late payment fee for the unpaid part of the minimum repayment amount when the actual repayment amount of the credit card is lower than the minimum repayment amount on the due repayment date. It is understood that the proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. However, due to the different policies of banks, the minimum amount set is not the same. 2. Interest: Calculated according to five ten thousandths of the daily interest of the amount owed (principal plus interest plus overdue fine plus other expenses), with compound interest calculated on a monthly or daily basis! 3. Other fees: The charges vary from bank to bank. Generally, there are cash withdrawal fees and handling fees. For details, please consult the customer service of each bank! To sum up, the business of banks or online lending institutions is to give money to citizens in advance based on trust, and then wait for the other party to return the money in full on the basis of charging a reasonable fee. However, if the parties really have no money, they need to negotiate with the bank, otherwise they will be forced to collect debts by banks or even some private institutions.