Yes, you can apply for a credit card if the online loan has not been repaid. But you need to make sure that your personal credit record is good and there is no overdue payment. Credit card applications have little to do with online loans. As long as you have a stable job and a stable income, your credit card application will be easy to pass. However, if your job is unstable and you have no stable repayment ability, even if you apply for a credit card, there is a high probability that you will not pass the exam.
How to apply for a credit card?
There are different ways to apply for a credit card, and there are different steps according to different ways, as follows:
1. branch application: I bring my original identity certificate, copy of work certificate, copy of financial certificate and other supporting materials to apply at a nearby bank branch.
2. WeChat application: You can pay attention to the official WeChat account of the bank you want to apply for a credit card, and then you can see "I want to apply for a card" in the bottom column. Click on it, select the card type you want to apply for, and then fill in the information according to the prompts.
3. Online application: Log in to the Credit Card Center of official website, select "Apply for Credit Card", then click "Apply for New Customer", select your favorite card type and card type, and follow the prompts.
4. Telephone application: Call the customer service hotline of the bank's credit card center, then press "3" for credit card application consultation, select "1" to transfer the service specialist to register (different banks may be different, just follow the voice prompts), and then inform the local staff to contact you, submit the materials and wait for approval.
Online lending will affect the approval of credit cards under some special circumstances:
1, your online loan is overdue and you have received a credit report, and the bank is likely to reject your application; If your overdue is very serious and you are listed on the list of untrustworthy people, that is, become a black account, then you can't apply for a credit card in any bank.
2. Too many online loans lead to too many debts, and banks will think that your repayment ability has reached the upper limit, and credit card approval will fail.
3. When you apply for online loan, you resort to fraud, resulting in a bad record on your credit information. When the bank sees it, it may refuse to apply for a card for you.
Many people may feel that they have a stable source of income, repayment ability and a good company. Applying for credit cards and bank loans is very simple. In fact, your debt situation is shown in detail in the credit report, and the bank loan officer can know it at a glance. The only way to solve the negative impact of frequent application for online loans is to settle all the online loans shown in the credit report, stop applying for online loans at the same time, wait about 1 month, and then apply for credit cards and bank loans after the credit report is updated.
Can I apply for multiple online loans but not overdue credit cards?
You can apply for a credit card if multiple online loans are not overdue.
Generally, when handling a credit card, the issuing bank will check the personal credit report. As long as there is no overdue record, it is not a big problem.
Credit card approval process:
1. Internal evaluation of banks
First of all, the bank will input the basic information of the applicant into the internal evaluation system for preliminary evaluation.
If you have done business with banks before, such as handling savings cards and credit cards, applying for loans, purchasing wealth management products, etc. Then the bank can know if you are a good customer of the bank.
If it is a quality customer, credit cards are basically seconds. If you want to be a high-quality customer of the bank, the direct deposit is 500-65438+10,000 yuan, and the credit card limit is 30,000 yuan.
2. Inquire about personal credit information
Credit card is actually a simple credit service. It can be said that applying for a credit card is no different from applying for a loan.
In order to reduce the bad rate of credit cards, according to the relevant (hard) regulations, banks must check the applicant's personal credit report.
It should be noted that in addition to overdue credit business, if there are too many credit inquiries, or the water and electricity bills are not paid on time, or there is a criminal record at the police station, it will affect the approval of credit cards.
3. Personal comprehensive score
Also called credit score, it is given by the credit scoring system of each bank, and the level of credit score will directly determine whether the bank will grant credit and the amount of credit.
As we all know, the higher the credit score, the greater the probability that the cardholder will get the card, and the higher the credit limit, and the bank's credit score standard is strictly confidential.
4. Credit card holdings
Banks will refer to the applicant's credit status when approving credit cards.
At present, in addition to the four major banks and China Merchants Bank, other banks can "do cards with cards".
In addition, if the number of credit cards exceeds 5, it is difficult to use CCB cards unless the qualifications are excellent. The salesman of CCB also said that he could use a card.
Can I apply for a credit card with an online loan?
Of course.
There are online loans for credit cards, but online loans will affect the approval of credit cards in some special circumstances:
1. If the online loan is overdue and the credit is received, the bank is likely to reject the user's application. If the overdue period is very serious, it will be included in the list of untrustworthy people, which means it will become a black account. At this time, it is impossible to apply for a credit card in any bank.
2. Too many online loans lead to too many debts, and banks will think that the repayment ability has reached the upper limit, and credit card approval will fail.
3. There are fraudulent behaviors when applying for online loans, resulting in bad records in credit reporting. When the bank sees it, it may refuse to apply for a card.
Extended data:
Matters needing attention in applying for a credit card:
The credit card application conditions of different banks are similar. The basic application conditions are that the main card applicant 18 years old or above, and the sub-card applicant must be 16 years old or above, with stable work and legal income, repayment ability, good personal credit information and no bad credit record.
Applicants should have a stable job and legal income, and have certain repayment ability.
Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.
Of course, these are the most basic conditions, and even if they are met, they may not be 100% passed. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.