mobile phone arrears do not affect credit card processing, but only personal credit records, and neither mobile phone arrears nor debit cards affect it.
Extended information:
First of all, let's not think that the mobile phone card is in arrears, and it will automatically cancel this mobile phone number for us, which is basically an impossible thing. Because many people don't know that if our mobile phone card runs out of balance, it will automatically be in a state of downtime, but if you charge the phone bill in time, then this mobile phone number can still be used for you. However, if your mobile phone card is in arrears, but you don't pay it back, then the operator will still help you deduct the fee on time every month, and the deducted funds will be deducted from the package you handled every month before, and he won't help you cancel your mobile phone number until it is deducted for three months in a row, thus making your mobile phone number an empty number.
Although China Mobile and Telecom have not taken any disciplinary measures against these blacklisted ID cards at present, China Unicom has. If you owe money, China Unicom will charge you a late fee of 3‰ every day. When your arrears reach a certain level, he will sue you through legal channels to recover the arrears. But at the same time, you will also become a blacklist user of China Unicom, so you can't handle any business related to China Unicom. In addition, because the current mobile phone numbers are all in real-name registration system, if you don't pay back the arrears, the operator will blacklist you. If you want to handle other activities in this operator in the future, he won't handle it for you, unless you pay off all the terms you owe before.
the situation of credit card meeting
1. Credit card is not repaid after the repayment date.
If the credit card holder of ICBC fails to repay the current arrears on the final repayment date, ICBC will regard the cardholder as overdue and the bad record will be uploaded to the central bank's credit information system.
2. Credit investigation after the grace period.
At present, most banks provide cardholders with a grace period for repayment. The so-called grace period means that after the repayment date, the cardholder still has about 1-3 days to repay. As long as the cardholder makes repayment within the grace period, the bank will consider the cardholder to repay on time. However, if it fails to repay after the grace period, the bank will consider the cardholder overdue.
3. Credit investigation on the next billing day
Banks usually report credit investigation to the central bank once a month or so, so some banks do not report credit investigation until the next billing day, such as Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank, etc. If the cardholders' credit cards of these banks are overdue, they should pay off the arrears as soon as possible before the banks report to the credit investigation system, and then they can take the initiative to contact the banks to explain that they are not maliciously overdue and hold cards during this period.