First of all, there is still hope to pay off the arrears as soon as possible.
In the process of applying for a loan, how can I get a loan if my credit card is overdue? If the credit report shows that there are overdue records at present, and the amount is less than 1000, you can quickly pay off the arrears and provide proof such as repayment slip. After consulting the repayment certificate, the lending institution will not affect the current loan approval.
However, if the current overdue amount is greater than 1000, it is basically impossible for the current loan to be approved. You can only wait a few months or more after paying off your debts.
Second, "three companies" is terrible, and "six companies" has hope.
The common "three consecutive times and six consecutive times" in credit institutions such as banks actually refers to three consecutive overdue times and six accumulated overdue times. If the lender fails to repay the loan for three consecutive months, it can basically be judged as maliciously owing money. For the lender who has the problem of "three consecutive years", the bank may take measures such as refusing the loan, reducing the loan ratio and raising the loan interest rate depending on the time and amount of the loan.
Most banks will further investigate the specific situation in loans overdue as to how to obtain loans when credit cards are overdue, and as to lenders who have the problem of "six years' fatigue". For example, some banks will ask them to provide the certificate issued by the original lending bank, so that the bank can judge whether the lender's overdue behavior is "malicious" or "negligent". If it is negligence, there is still hope.
Third, bad credit records will not be followed for life.
If the credit card is overdue seriously, the bank will record this behavior in the personal credit information system, and the adverse effects will follow you for a long time. From the date when the borrower pays off all debts, with the passage of time, the record will generally be cleared after 5 years. If the overdue period is serious and the credit information system is tainted, it can only wait for another five years.
How to borrow a credit card when it is overdue? Summarized three situations in which you still have a chance to apply for a loan. I hope you don't cross the line.
1. The total overdue amount is less than 1000 yuan;
2. Overdue for no more than 90 consecutive days;
3 within two years, the overdue period shall not exceed 6 times.
In addition to the above three items, the cardholder also needs to issue a non-malicious debt certificate to the bank and submit it to the bank when applying for a loan.