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Hello,

It is generally difficult to apply for bank-related loans after the deadline.

According to the regulations of the People's Bank of China, all card-issuing banks must regularly upload customers' consumption and repayment records, and cannot tamper with them. The bank will not make any bad comments on your usage records, but will only truthfully feedback your historical usage records.

Record, without any subjective judgment. If you handle the loan business in the future, the loan bank will refer to your credit record comprehensively, not only in a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will not scroll.

Touching, but preserved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period so that you can rely on it.

Rolling records delete bad records from the credit information system.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted.

2. Will the overdue credit card affect the loan?

1. If the applicant has no loans overdue record and the number of overdue credit cards is only once or twice, such a credit investigation will not have a serious impact. However, if it is currently overdue, that is, there is just a credit card overdue when applying for a loan, even if the previous credit is very good, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan. 2. When evaluating the loan applicant, the bank will definitely focus on evaluating the applicant's personal credit in addition to repayment ability and loan purpose. However, banks have different standards for "how many times overdue loans cannot be repaid". Generally speaking, if the total number of overdue times reflected in the credit report is no more than 6 times and no more than 3 times in the past year, the bank will think that there is no serious problem with the credit record.

3. Will a credit card overdue affect the mortgage?

If the credit card is overdue once, if it is repaid in time, it will generally not affect the mortgage. However, if the party's credit card is overdue for more than 90 days, it can be regarded as malicious overdue, which will seriously affect the mortgage; However, if the overdue days are less than 90 days or overdue occurred two years ago, it will have little impact on the mortgage. Legal Basis Article 6 of the Measures for the Administration of Personal Housing Loans of Industrial and Commercial Bank of China The borrower shall meet the following conditions when applying for a loan from the bank: (1) Having a permanent residence in the town or a valid residence status; (2) Having a stable occupation and income; (three) good credit, the ability to repay the loan principal and interest on schedule; (4) Assets recognized by the lender are used as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory capacity are used as guarantors to repay the principal and interest of the loan and bear joint and several liabilities; (five) there is a contract or agreement for the purchase of housing; (6) The price of the purchased house basically conforms to the appraisal value of the lender or the real estate appraisal agency entrusted by it; (seven) do not enjoy the purchase subsidy, not less than 30% of the total price of the purchased house as the down payment; Enjoy the purchase subsidy, with 30% of the personal commitment as the down payment; (8) Other conditions stipulated by the lender.