1. Will the overdue online loan affect the credit card?

1. The overdue online loan still has a certain impact on the credit card. If you want to apply for a credit card, the bank will check your personal credit report. If there is an overdue online loan in your credit report, the approval from the bank will generally not pass.

2. The overdue online loan has little impact on personal credit card use, as long as individuals pay attention to the repayment time when using credit cards, and there is no overdue.

second, will the overdue online loan freeze all the bank cards in the name?

although the overdue online loan will bring bad influence, it is unlikely that all the bank cards in the borrower's name will be frozen. Many online loans are not connected to the central bank's credit information system, so the overdue situation is only recorded in big data, which has nothing to do with credit information. There is no overdue record of online loans on the credit information, so it is unlikely to affect the bank card under its name.

3. What should I do if the online loan is not prosecuted?

(1) Take the initiative to consult with the bank.

The first thing to do is, of course, take the initiative to contact the bank. You know, although the bank can sue, it can also withdraw the lawsuit. Therefore, you can take the initiative to explain the situation to the bank and prove that your situation is really difficult. As long as you negotiate with the bank, the bank will generally not be too difficult.

(2) Repayment to Credit Card

Since the lawsuit was filed for owing credit card money, it is natural to repay the credit card if you want to solve the problem.

Of course, it doesn't have to be paid off in a short time to repay the credit card. You can negotiate a repayment period with the bank and then pay back a little every month, which shows that it is very important to actively repay.