If your loan has no overdue record

Not only can you apply for a credit card, but the application is better than others and the amount is higher than others.

Second, can loan users still apply for credit cards?

With the rapid popularization of credit cards, the threshold for applying for credit cards is getting lower and lower. As long as the basic conditions are met, there is basically no problem. However, if you have maliciously overdrawn or are seriously overdue, it is estimated that you have become a bank loan user. In this case, it is very difficult to apply for a credit card. What is a credit card loan user? The so-called credit card loan user refers to the credit card consumer who fails to repay the loan in accordance with the regulations for more than two consecutive times before the repayment date. Credit card customers who cause bank collection. Can loan users still apply for credit cards? Such customers will be recorded in the personal credit information system of the People's Bank of China, called bad credit records, and kept for 5 years. People who have two or more bad credit records in the personal credit information system will not be able to borrow, guarantee or apply for credit cards in various financial institutions, including housing mortgage loans, within five years. No matter what causes your overdue, you don't need to explain too much. Unless it is the fault of the bank or uncontrollable factors, then you need to register with the bank and wait for the bank's processing results. No matter what causes your overdue, you don't need to explain too much. Unless it is the fault of the bank or uncontrollable factors, then you need to register with the bank and wait for the bank's processing results. If you still have a credit card or loan in your name, just make sure you have a good record of consumption and repayment in the future and don't overdue it again. If you only have one credit card in your hand, don't cancel it immediately because it is overdue, which will lead to no good results. Repayment should be made immediately and credit cards should be used whenever possible. Bad records can be refreshed within two years and credit stains can be completely eliminated within five years. If you are a bank loan user, it must be very difficult to get a card. Basically, you are "rejected by ten". Even if you are lucky enough to apply for a credit card, the amount is pitiful. You can find friends and relatives with credit cards to apply for supplementary cards. The key point is that as long as the host agrees, the bank loan user can still get the supplementary card.

3. Can I get a loan if my credit card is overdue?

If the user is overdue, he can apply for a loan.

Overdue records will be uploaded to credit information. Before the overdue records are deleted, the loan application will be rejected quickly.

The loan application has a good credit reference, and it is impossible to apply for a loan if the credit reference is not good.

After the overdue records are settled, they will be kept in the credit investigation for 5 years, and the credit investigation can return to normal. If you have proof that your credit card is overdue, such as providing a guarantee.