The arrival of credit card makes many people's capital turnover more flexible. Handling credit card is a common thing. However, overdue credit cards will affect credit investigation. So, which bank is the easiest to handle credit cards? Will the overdue credit card affect the loan to buy a house?
Which bank is the easiest to handle credit cards?
1. At present, China Merchants Bank is the leader of joint-stock commercial banks, and the number of credit card issuance has always ranked first among joint-stock commercial banks, second only to state-owned commercial banks, industrial and Commercial Bank of China and China Construction Bank. The high number of credit cards issued by China Merchants Bank is not only due to the early development of credit card business and rich card types, but also due to the low threshold. Especially for online application credit card, the deposit rate is very high.
2. In addition, China Merchants Bank has re launched a credit card for college students in recent years, which can also be handled by college students. However, there is no quota before graduation, so they can only enjoy preferential activities. The young card of China Merchants Bank is recommended for those under the age of 30. It is easy to get off the card.
Will the overdue credit card affect the loan to buy a house?
If you are overdue only once or twice, in fact, you don't have to worry too much. The bank will still decide whether to grant you a mortgage based on your repayment ability. In addition, if you can provide a non malicious overdue certificate, the probability of applying for a mortgage will be greatly improved. Generally, for bank loans, the requirements for credit records are as follows:
1. Credit cards overdue for three consecutive times or six times in total within two years. Generally speaking, banks will refer to the overdue times of individuals in recent two years when approving housing loans. Generally, if one of the husband and wife is overdue for three consecutive times within two years, or overdue for six times in total, they will not be able to obtain loans. The meaning of overdue repayment for three consecutive times is that, for example, the repayment period of a fund is one month and has not been repaid for three consecutive months; The cumulative six times refers to one overdue, one overdue, and another overdue, which occurs six times.
2. There are also some banks. If the amount is not large (generally less than 500 yuan), open a non malicious overdue certificate and increase the down payment, or the bank needs you to deposit tens of thousands of yuan and give the bank a certificate of deposit for time deposit, and then you can apply for a mortgage.
3. Only one or two overdue credit cards, such banks generally will not refuse to lend, but may appropriately raise the loan interest rate.